SUMMARY:今天(11月18日 星期五)开盘时的房贷利率价格和上个工作日相比上涨
。目前重新贷款40万左右的利率,30年固定利率上涨至4.000%,15年固定利率上涨至
3.250%,5/1 ARM上涨至3.375%。购房贷款40万左右,30年固定的利率上涨至3.875%,
15年固定利率上涨至3.000%,5/1 ARM上涨至3.125%.
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 |
4.000 |
3.250 |
3.875 |
3.125 |
3.375 |
3.500 |
>$417K |
4.250 |
3.250 |
4.125 |
3.375 |
3.375 |
4.625 |
Jumbo |
4.250 |
4.375 |
------ |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.250 |
3.990 |
3.250 |
3.750 |
4.125 |
>$417K |
4.875 |
4.125 |
4.500 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.750 |
3.000 |
3.125 |
3.500 |
APR |
3.900 |
3.098 |
3.765 |
3.132 |
3.171 |
3.470 |
|
>$417K |
4.050 |
3.125 |
4.000 |
3.250 |
3.625 |
3.625 |
APR |
4.099 |
3.190 |
4.017 |
3.309 |
3.667 |
3.666 |
|
Jumbo |
4.000 |
3.500 |
------ |
------ |
3.250 |
3.375 |
APR |
4.039 |
3.572 |
------ |
------ |
3.291 |
3.409 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.375 |
------ |
APR |
4.276 |
3.544 |
4.136 |
3.564 |
4.425 |
------ |
|
******************************* 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 |
4.000 |
3.125 |
3.750 |
3.125 |
3.375 |
3.500 |
>$417K |
4.250 |
4.500 |
------ |
------ |
3.750 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.250 |
3.875 |
3.125 |
3.750 |
4.125 |
>$417K |
4.375 |
------ |
------ |
------ |
3.750 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
3.871 |
3.048 |
3.716 |
3.059 |
3.139 |
3.395 |
|
>$417K |
4.125 |
3.875 |
------ |
------ |
3.375 |
3.500 |
APR |
4.129 |
3.904 |
------ |
------ |
3.389 |
3.506 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
3.990 |
3.500 |
4.375 |
4.375 |
APR |
4.246 |
3.494 |
4.025 |
3.491 |
4.390 |
4.405 |
|
******************************* 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 |
4.000 |
3.250 |
3.875 |
3.125 |
3.500 |
3.500 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.990 |
3.375 |
3.875 |
4.375 |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
3.865 |
3.054 |
3.721 |
3.069 |
3.143 |
3.399 |
|
>$417K |
4.125 |
3.875 |
------ |
------ |
3.375 |
3.500 |
APR |
4.131 |
3.908 |
------ |
------ |
3.391 |
3.509 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
3.990 |
3.500 |
4.375 |
4.375 |
APR |
4.240 |
3.500 |
4.030 |
3.501 |
4.394 |
4.409 |
|
******************************* 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 |
4.000 |
3.250 |
3.990 |
3.250 |
3.750 |
4.125 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.000 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
3.806 |
3.063 |
3.759 |
3.091 |
3.151 |
3.426 |
|
>$417K |
4.125 |
3.875 |
------ |
------ |
3.375 |
3.500 |
APR |
4.129 |
3.912 |
------ |
------ |
3.388 |
3.507 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
4.000 |
3.375 |
4.375 |
------ |
APR |
4.172 |
3.457 |
4.075 |
3.493 |
4.403 |
------ |
|
******************************* 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 |
4.125 |
3.375 |
4.000 |
3.375 |
------ |
------ |
>$417K |
4.625 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
------ |
------ |
>$417K |
4.625 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.625 |
3.000 |
3.125 |
3.500 |
APR |
3.878 |
3.078 |
3.690 |
3.068 |
3.170 |
3.466 |
|
>$417K |
4.125 |
3.875 |
------ |
------ |
3.375 |
3.500 |
APR |
4.132 |
3.909 |
------ |
------ |
3.392 |
3.509 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
4.125 |
3.375 |
4.375 |
------ |
APR |
4.181 |
3.472 |
4.130 |
3.516 |
4.423 |
------ |
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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