SUMMARY:今天(09月07日 星期三)开盘时的房贷利率价格和上个工作日相比持平。目前 重新贷款40万左右的利率,30年固定利率稳定在3.375%,15年固定利率稳定在2.750%, 5/1 ARM稳定至2.875%。购房贷款40万左右,30年固定的利率下降在3.200%,15年固定 利率下降在2.500%,5/1 ARM下降在2.625% 注:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带impound account的利率。
******************************* CALIFORNIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $ 750K.See other assumptions at the bottom of the post) PRIMARY RESIDENCE - REGULAR REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.125 2.500 2.875 3.125 >$417K 3.500 2.750 3.375 2.750 3.125 3.250 Jumbo 3.875 3.375 ----- ------ 3.250 3.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.250 2.750 3.125 3.375 >$417K 3.875 3.375 3.750 ------ 3.375 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 3.000 2.375 2.625 2.750 APR 3.247 2.572 3.059 2.506 2.676 2.803 >$417K 3.375 2.750 3.250 2.750 2.990 3.000 APR 3.397 2.745 3.273 2.741 3.024 3.044 Jumbo 3.750 3.250 ----- ----- 3.000 3.000 APR 3.759 3.293 ----- ----- 3.034 3.021 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.500 APR 3.648 3.037 3.406 2.965 3.539 3.544 ******************************** TEXAS ******************************** (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.750 3.125 3.375 >$417K ----- ----- ------ ----- 3.375 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.700 3.125 3.500 3.125 3.750 3.750 >$417K ----- ----- ------ ------- 3.500 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.000 2.625 2.750 2.875 APR 3.291 2.660 3.052 2.712 2.764 2.919 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.754 3.394 ----- ------ 3.011 3.014 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.640 3.068 3.444 2.996 3.535 3.663 ******************************** MARYLAND******************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.875 3.125 >$417K 3.875 3.625 ------ ----- 3.250 3.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.250 2.625 3.125 3.250 >$417K 3.875 3.625 ------ ------- 3.250 3.125 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 3.000 2.375 2.625 2.750 APR 3.213 2.522 3.005 2.434 2.645 2.776 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.735 3.371 ----- ------ 3.000 2.997 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.550 2.875 3.375 2.875 3.375 3.500 APR 3.578 3.920 3.359 2.892 3.399 3.510 ******************************** VIRGINIA ******************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.625 3.000 3.250 >$417K 4.500 ------ ------ ------ 3.375 ---- - PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.250 2.750 3.250 3.375 >$417K 4.500 ------ ------ ------ 3.500 ---- - PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 3.000 2.375 2.625 2.750 APR 3.217 2.529 3.010 2.443 2.648 2.779 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.738 3.376 ----- ------ 3.003 3.003 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.550 2.875 3.375 2.875 3.375 3.500 APR 3.582 2.927 3.364 2.902 3.403 3.513 ******************************** FLORIDA ******************************** (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.375 2.750 3.625 3.625 >$417K ----- ----- ------ ------ 3.625 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 3.000 ----- 3.875 >$417K ----- ----- ------ ------ 3.750 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 3.000 2.375 2.625 2.750 APR 3.256 2.528 3.060 2.442 2.675 2.802 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.738 3.376 ----- ------ 3.003 3.000 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.875 3.375 2.875 3.500 3.500 APR 3.628 2.971 3.419 2.936 3.542 3.553 Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.
Rates above are based on the following assumptions: 1. Loan Amount: See detailed loan amounts under the State name above; 2. Loan-To-Value (LTV): - <=75% for Primary Residence Conforming Refinance & Purchase; - <=70% for Primary Residence Conforming Cash-Out Refinance; - <=75% for Primary Residence Super-Conforming Refinance and Purchase ( except for 7/1 ARM which is <=70%); - <=65% for Primary Residence Super-Conforming Cash-Out Refinance; - <=75% for Investment Property Conforming Purchase; - <=65% for Jumbo Refi & Purchase. 3. Primary Residence (except specified); 4. Single Family Residence; 5. Credit score>=740; 6. With Impound/Escrow Account; 7. 30-day lock; 8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based) For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate. 注:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款 ,需要收point才能做。 奇虎贷款NMLS ID: 1169300 |