SUMMARY:今天(11月30日 星期三)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稳定至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稳定至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 | 3.250 | 3.375 | 3.625 | >$417K | 4.200 | 3.375 | 4.125 | 3.875 | 3.625 | 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 | 4.125 | 3.375 | 3.875 | 3.375 | 3.625 | 3.875 | >$417K | 4.750 | 4.375 | 4.625 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 2.990 | 3.250 | APR | 3.927 | 3.205 | 3.692 | 3.106 | 3.033 | 3.297 | | >$417K | 4.125 | 3.250 | 4.000 | 3.375 | 3.375 | 3.500 | APR | 4.136 | 3.332 | 4.044 | 3.441 | 3.402 | 3.538 | | Jumbo | 4.000 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.038 | 3.629 | ------ | ------ | 3.273 | 3.390 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | 3.875 | 4.250 | APR | 4.297 | 3.669 | 4.054 | 3.689 | 3.927 | 4.295 | | ******************************* 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 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 | >$417K | 4.250 | 3.875 | ------ | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 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 | 3.000 | 2.990 | 3.250 | APR | 3.898 | 3.155 | 3.639 | 3.033 | 2.996 | 3.259 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.117 | 3.623 | ------ | ------ | 3.250 | 3.384 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | 3.750 | 4.125 | APR | 4.267 | 3.619 | 3.999 | 3.616 | 3.778 | 4.150 | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 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 | 3.500 | 3.990 | 3.500 | 3.750 | 3.990 | >$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 | 3.000 | 2.990 | 3.250 | APR | 3.902 | 3.161 | 3.644 | 3.043 | 2.999 | 3.263 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.120 | 3.627 | ------ | ------ | 3.253 | 3.386 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | 3.750 | 4.125 | APR | 4.261 | 3.625 | 4.005 | 3.626 | 3.782 | 4.154 | | ******************************* 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 | 3.990 | 3.375 | 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 | 3.750 | 4.125 | 3.625 | ------ | 4.375 | >$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 | 3.000 | 2.990 | 3.250 | APR | 3.911 | 3.170 | 3.682 | 3.104 | 3.026 | 3.290 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.118 | 3.624 | ------ | ------ | 3.249 | 3.382 | | 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 | 4.250 | APR | 4.266 | 3.582 | 4.044 | 3.619 | 3.920 | 4.288 | | ******************************* 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 | 4.250 | 3.500 | 4.000 | 3.500 | ------ | 4.375 | >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 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 | 3.125 | 3.625 | 3.000 | 2.990 | 3.250 | APR | 3.902 | 3.185 | 3.690 | 3.042 | 3.038 | 3.302 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.121 | 3.628 | ------ | ------ | 3.253 | 3.387 | | 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 | 4.250 | APR | 4.275 | 3.598 | 4.061 | 3.642 | 3.933 | 4.301 | 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 |