SUMMARY:今天(11月29日 星期二)开盘时的房贷利率价格和上个工作日相比稳定
。目前重新贷款40万左右的利率,30年固定利率稳定至4.000%,15年固定利率稳定至
3.250%,5/1 ARM下降至3.375%。购房贷款40万左右,30年固定的利率稳定至3.875%,
15年固定利率稳定至3.125%,5/1 ARM下降至2.990%.
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 |
3.750 |
3.000 |
3.375 |
3.500 |
>$417K |
4.200 |
3.375 |
4.000 |
3.750 |
3.500 |
3.625 |
Jumbo |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.375 |
3.875 |
3.250 |
3.625 |
3.750 |
>$417K |
4.750 |
4.250 |
4.375 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.625 |
2.875 |
2.990 |
3.250 |
APR |
3.886 |
3.169 |
3.662 |
3.007 |
3.026 |
3.285 |
|
>$417K |
4.050 |
3.250 |
4.000 |
3.500 |
3.250 |
3.375 |
APR |
4.081 |
3.304 |
4.005 |
3.614 |
3.282 |
3.417 |
|
Jumbo |
4.000 |
3.625 |
------ |
------ |
3.125 |
3.375 |
APR |
4.038 |
3.637 |
------ |
------ |
3.159 |
3.392 |
|
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 |
3.875 |
4.125 |
APR |
4.265 |
3.581 |
4.026 |
3.617 |
3.920 |
4.177 |
|
******************************* 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 |
3.875 |
3.250 |
3.750 |
3.000 |
3.250 |
3.500 |
>$417K |
4.250 |
3.875 |
------ |
------ |
3.375 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.250 |
3.500 |
3.750 |
>$417K |
4.250 |
4.250 |
------ |
------ |
3.375 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.625 |
2.875 |
2.875 |
3.250 |
APR |
3.857 |
3.119 |
3.608 |
2.934 |
2.900 |
3.248 |
|
>$417K |
4.125 |
3.625 |
------ |
------ |
3.125 |
3.375 |
APR |
4.118 |
3.631 |
------ |
------ |
3.135 |
3.370 |
|
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 |
3.750 |
3.990 |
APR |
4.236 |
3.530 |
3.971 |
3.544 |
3.771 |
4.015 |
|
******************************* 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 |
3.750 |
3.125 |
3.375 |
3.625 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.875 |
3.250 |
3.625 |
3.875 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.625 |
2.875 |
2.875 |
3.250 |
APR |
3.861 |
3.125 |
3.613 |
2.944 |
2.903 |
3.251 |
|
>$417K |
4.125 |
3.625 |
------ |
------ |
3.125 |
3.375 |
APR |
4.120 |
3.635 |
------ |
------ |
3.138 |
3.372 |
|
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 |
3.750 |
3.990 |
APR |
4.229 |
3.537 |
3.976 |
3.553 |
3.775 |
4.019 |
|
******************************* 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 |
4.125 |
3.375 |
3.875 |
3.250 |
3.625 |
3.875 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
3.990 |
3.500 |
------ |
4.250 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.625 |
2.875 |
2.990 |
3.250 |
APR |
3.880 |
3.081 |
3.652 |
3.005 |
3.019 |
3.278 |
|
>$417K |
4.125 |
3.625 |
------ |
------ |
3.125 |
3.375 |
APR |
4.118 |
3.632 |
------ |
------ |
3.134 |
3.368 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.990 |
3.500 |
3.750 |
4.125 |
APR |
4.172 |
3.545 |
4.015 |
3.566 |
3.803 |
4.170 |
|
******************************* 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 |
3.500 |
3.990 |
3.250 |
------ |
4.250 |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$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 |
2.875 |
2.990 |
3.250 |
APR |
3.861 |
3.065 |
3.633 |
2.943 |
3.031 |
3.290 |
|
>$417K |
4.125 |
3.625 |
------ |
------ |
3.125 |
3.375 |
APR |
4.121 |
3.636 |
------ |
------ |
3.138 |
3.373 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.990 |
3.500 |
3.875 |
4.125 |
APR |
4.181 |
3.561 |
4.033 |
3.588 |
3.925 |
4.183 |
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
|