SUMMARY:今天(11月03日 星期四)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3.500%,15年固定利率稳定在 2.750%,5/1 ARM稳定在3.000%。购房贷款40万左右,30年固定的利率稳定在3.375%, 15年固定利率稳定在2.625%,5/1 ARM稳定至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 | 3.500 | 2.750 | 3.375 | 2.750 | 3.000 | 3.250 | >$417K | 3.700 | 2.875 | 3.500 | 3.250 | 3.375 | 3.375 | 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 | >$417K | 4.125 | 3.625 | 4.000 | 3.625 | 3.375 | 3.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.409 | 2.712 | 3.248 | 2.630 | 2.787 | 3.019 | | >$417K | 3.550 | 2.750 | 3.500 | 2.750 | 3.125 | 3.125 | APR | 3.587 | 2.825 | 3.500 | 2.844 | 3.160 | 3.160 | | Jumbo | 3.625 | 3.000 | ------ | ------ | 2.875 | 3.000 | APR | 3.641 | 3.036 | ------ | ------ | 2.907 | 3.019 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.775 | 3.098 | 3.552 | 3.143 | 3.551 | 3.668 | | ******************************* 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 | 3.500 | 2.750 | 3.375 | 2.625 | 2.875 | 3.250 | >$417K | 3.875 | 3.250 | ------ | ------ | 3.250 | 3.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.375 | 2.875 | 3.125 | 3.375 | >$417K | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.250 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.875 | APR | 3.379 | 2.645 | 3.196 | 2.516 | 2.757 | 2.903 | | >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 | APR | 3.637 | 3.030 | ------ | ------ | 3.004 | 3.016 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.746 | 3.052 | 3.499 | 3.070 | 3.512 | 3.629 | | ******************************* 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 | 3.500 | 2.750 | 3.375 | 2.750 | 3.000 | 3.375 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.990 | 3.500 | 3.000 | 3.375 | 3.500 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.875 | APR | 3.375 | 2.651 | 3.201 | 2.525 | 2.760 | 2.907 | | >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 | APR | 3.640 | 3.034 | ------ | ------ | 3.006 | 3.018 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.740 | 3.058 | 3.504 | 3.079 | 3.516 | 3.633 | | ******************************* 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 | 3.500 | 2.875 | 3.125 | 3.500 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.375 | | 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 | 3.125 | 3.625 | 3.750 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.380 | 2.700 | 3.238 | 2.591 | 2.767 | 3.013 | | >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 | APR | 3.638 | 3.031 | ------ | ------ | 3.004 | 3.016 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.671 | 3.063 | 3.543 | 3.091 | 3.544 | 3.660 | | ******************************* 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 | 3.000 | 3.625 | 3.750 | >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | ------ | 4.125 | >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.388 | 2.707 | 3.256 | 2.584 | 2.786 | 3.025 | | >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 | APR | 3.640 | 3.035 | ------ | ------ | 3.007 | 3.019 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.679 | 3.078 | 3.560 | 3.114 | 3.556 | 3.673 | 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 |