SUMMARY:今天(12月01日 星期四)开盘时的房贷利率价格和上个工作日相比上升 。目前重新贷款40万左右的利率,30年固定利率上升至4.125%,15年固定利率稳定至 3.250%,5/1 ARM上升至3.625%。购房贷款40万左右,30年固定的利率上升至4.000%, 15年固定利率上升至3.250%,5/1 ARM上升至3.250%. 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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 4.000 | >$417K | 4.375 | 3.625 | 4.250 | 3.625 | 3.625 | 3.750 | Jumbo | 4.250 | 3.875 | ------ | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.375 | 4.125 | 3.375 | 4.000 | 4.375 | >$417K | 4.750 | ------ | 4.625 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.750 | APR | 4.025 | 3.258 | 3.924 | 3.261 | 3.295 | 3.784 | | >$417K | 4.250 | 3.500 | 4.125 | 3.750 | 3.375 | 3.500 | APR | 4.266 | 3.554 | 4.150 | 3.852 | 3.411 | 3.539 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.139 | 3.669 | ------ | ------ | 3.278 | 3.398 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | APR | 4.411 | 3.706 | 4.271 | 3.743 | ------ | ------ | | ******************************* 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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.875 | >$417K | 4.375 | 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 | 4.250 | 3.375 | 4.125 | 3.375 | 3.875 | 4.250 | >$417K | 4.375 | ------ | ------ | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.625 | APR | 3.996 | 3.208 | 3.884 | 3.188 | 3.263 | 3.648 | | >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 | APR | 4.135 | 3.743 | ------ | ------ | 3.261 | 3.490 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | APR | 4.382 | 3.655 | 4.230 | 3.669 | ------ | ------ | | ******************************* 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 | 4.000 | 3.375 | 3.750 | 4.125 | >$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 | 3.500 | 4.125 | 3.500 | 4.125 | 4.625 | >$417K | 4.500 | ------ | ------ | ------ | ------ | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.625 | APR | 3.990 | 3.214 | 3.890 | 3.198 | 3.266 | 3.651 | | >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 | APR | 4.138 | 3.747 | ------ | ------ | 3.263 | 3.493 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | APR | 4.375 | 3.662 | 4.236 | 3.679 | ------ | ------ | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 4.375 | >$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 | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | 3.250 | 3.625 | APR | 3.995 | 3.224 | 3.896 | 3.269 | 3.274 | 3.653 | | >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 | APR | 4.136 | 3.744 | ------ | ------ | 3.259 | 3.490 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | ------ | APR | 4.297 | 3.670 | 4.205 | 3.691 | ------ | ------ | | ******************************* 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 | 3.625 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.750 | APR | 4.004 | 3.238 | 3.909 | 3.233 | 3.294 | 3.782 | | >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 | APR | 4.138 | 3.748 | ------ | ------ | 3.264 | 3.493 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | ------ | ------ | APR | 4.306 | 3.686 | 4.255 | 3.714 | ------ | ------ | 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 |