SUMMARY:今天(11月11日 星期五)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率,30年固定利率上升至3.750%,15年固定利率上升至
2.875%,5/1 ARM上升至3.375%。购房贷款40万左右,30年固定的利率上升至3.625%,
15年固定利率上升至2.750%,5/1 ARM上升至2.875%.
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 |
3.750 |
2.875 |
3.625 |
2.875 |
3.375 |
3.500 |
>$417K |
4.000 |
3.250 |
4.125 |
3.500 |
------ |
------ |
Jumbo |
4.125 |
4.375 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.625 |
3.125 |
------ |
------ |
>$417K |
------ |
------ |
4.500 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.750 |
3.500 |
2.750 |
3.000 |
3.250 |
APR |
3.656 |
2.829 |
3.529 |
2.866 |
3.040 |
3.300 |
|
>$417K |
4.000 |
3.125 |
4.000 |
3.375 |
------ |
------ |
APR |
3.996 |
3.208 |
4.062 |
3.444 |
------ |
------ |
|
Jumbo |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.375 |
APR |
3.916 |
3.434 |
------ |
------ |
3.284 |
3.393 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
------ |
------ |
APR |
4.057 |
3.330 |
3.953 |
3.367 |
------ |
------ |
|
******************************* 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 |
3.750 |
2.875 |
3.625 |
2.875 |
3.250 |
3.500 |
>$417K |
4.250 |
4.375 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.625 |
3.125 |
------ |
------ |
>$417K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.750 |
3.500 |
2.750 |
3.000 |
3.250 |
APR |
3.628 |
2.780 |
3.490 |
2.793 |
3.012 |
3.272 |
|
>$417K |
4.000 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
4.003 |
3.533 |
------ |
------ |
3.382 |
3.389 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
------ |
------ |
APR |
4.028 |
3.280 |
3.913 |
3.293 |
------ |
------ |
|
******************************* 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 |
3.750 |
3.000 |
3.625 |
3.000 |
3.500 |
3.500 |
>$417K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.125 |
3.750 |
3.125 |
------ |
------ |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.750 |
3.500 |
2.750 |
3.000 |
3.250 |
APR |
3.625 |
2.786 |
3.495 |
2.803 |
3.016 |
3.276 |
|
>$417K |
4.000 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
4.006 |
3.537 |
------ |
------ |
3.384 |
3.392 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
------ |
------ |
APR |
4.021 |
3.287 |
3.918 |
3.303 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.125 |
3.750 |
3.125 |
------ |
------ |
>$417K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.750 |
3.500 |
2.750 |
3.000 |
3.250 |
APR |
3.630 |
2.794 |
3.528 |
2.815 |
3.039 |
3.300 |
|
>$417K |
4.000 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
4.004 |
3.534 |
------ |
------ |
3.382 |
3.390 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
------ |
------ |
APR |
4.026 |
3.295 |
3.925 |
3.315 |
------ |
------ |
|
******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
4.000 |
3.375 |
------ |
------ |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.750 |
3.500 |
2.750 |
3.000 |
3.250 |
APR |
3.631 |
2.810 |
3.494 |
2.818 |
3.035 |
3.296 |
|
>$417K |
4.000 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
4.007 |
3.538 |
------ |
------ |
3.385 |
3.392 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
------ |
------ |
APR |
4.035 |
3.311 |
3.937 |
3.338 |
------ |
------ |
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
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