SUMMARY:今天(10月04日 星期二)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年固定利率稳定至3.375%,15年固定利率稳定在2.750%, 5/1 ARM上涨在3.000%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定 利率上涨在2.625%,5/1 ARM稳定在2.750% 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 2.625 3.000 3.250 >$417K 3.550 2.750 3.375 2.875 3.250 3.250 Jumbo 3.750 3.125 ----- ------ 3.125 3.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.250 2.750 3.250 3.500 >$417K 3.875 3.375 3.750 3.625 3.375 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.125 2.500 2.750 2.875 APR 3.302 2.658 3.125 2.556 2.789 2.924 >$417K 3.375 2.750 3.250 2.750 3.000 3.000 APR 3.415 2.746 3.301 2.807 3.043 3.043 Jumbo 3.625 3.000 ----- ----- 3.000 3.000 APR 3.632 3.305 ----- ----- 3.020 3.020 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 3.625 3.625 APR 3.670 3.060 3.446 3.017 3.671 3.683 ******************************** 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 2.875 3.250 2.750 3.125 3.500 >$417K 3.875 4.000 ------ ----- ----- 3.500 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 3.750 3.875 >$417K 4.000 ----- ------ ------- ----- 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 2.500 2.750 2.875 APR 3.285 2.653 3.050 2.517 2.773 2.923 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.629 3.030 ----- ------ 2.995 2.996 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 3.625 3.750 APR 3.640 3.054 3.442 2.966 3.657 3.785 ******************************** 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 2.750 3.125 2.500 2.875 3.125 >$417K 3.875 3.250 ------ ----- 3.125 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 3.250 3.500 >$417K 3.875 4.125 ------ ------- 3.250 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.000 2.500 2.750 2.875 APR 3.268 2.547 3.033 2.565 2.748 2.897 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.629 3.028 ----- ------ 2.996 2.997 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 3.625 3.625 APR 3.642 2.999 3.398 2.944 3.637 3.648 ******************************** 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 3.490 2.750 3.250 2.625 3.125 3.375 >$417K 3.875 4.000 ------ ------ ----- 3.500 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.375 2.750 3.375 3.625 >$417K 4.000 ----- ------ ------ ----- 3.500 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.000 2.500 2.750 2.875 APR 3.272 2.554 3.038 2.452 2.766 2.901 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.631 3.033 ----- ------ 2.999 2.999 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 3.625 3.625 APR 3.635 3.005 3.404 2.954 3.641 3.652 ******************************** 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 3.625 3.000 3.500 2.875 3.875 3.875 >$417K 4.125 ----- ------ ------ ----- ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.500 3.000 ----- 4.250 >$417K 4.250 ----- ------ ------ ----- ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.500 2.750 2.875 APR 3.286 2.582 3.122 2.511 2.785 2.920 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.632 3.034 ----- ------ 2.999 3.000 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 2.875 3.625 3.750 APR 3.649 3.076 3.509 2.989 3.677 3.797 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 |