SUMMARY:今天(12月06日 星期二)开盘时的房贷利率价格和上个工作日相比稍好 。目前重新贷款40万左右的利率,30年固定利率稳定在4.000%,15年固定利率稳定至 3.250%,5/1 ARM降低至3.3750%。购房贷款40万左右,30年固定的利率降低至3.875%, 15年固定利率降低至3.125%,5/1 ARM稳定在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 | 3.125 | 3.375 | 3.625 | >$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.750 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.500 | ------ | 4.625 | ------ | 3.750 | 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 | 3.375 | APR | 3.917 | 3.205 | 3.669 | 3.053 | 3.043 | 3.400 | | >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.375 | 3.500 | APR | 4.141 | 3.400 | 4.032 | 3.354 | 3.411 | 3.534 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.135 | 3.639 | ------ | ------ | 3.275 | 3.394 | | 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 | ------ | 4.250 | APR | 4.297 | 3.599 | 4.031 | 3.644 | ------ | 4.305 | | ******************************* 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 | 3.375 | 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 | 3.625 | 3.875 | >$417K | 4.375 | 4.000 | ------ | ------ | 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 | 3.000 | 2.990 | 3.250 | APR | 3.888 | 3.155 | 3.615 | 2.981 | 3.006 | 3.269 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.131 | 3.632 | ------ | ------ | 3.260 | 3.390 | | 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 | 4.267 | 3.548 | 3.977 | 3.570 | 3.899 | 4.265 | | ******************************* 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 | 3.250 | 3.500 | 3.750 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 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 | 3.875 | 3.500 | 3.750 | 4.125 | >$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 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 | 3.892 | 3.161 | 3.620 | 2.990 | 3.010 | 3.273 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.133 | 3.637 | ------ | ------ | 3.263 | 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 | 4.250 | APR | 4.261 | 3.555 | 3.982 | 3.580 | 3.903 | 4.269 | | ******************************* 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 | 3.750 | 3.990 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 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 | 3.990 | 3.625 | ------ | 4.375 | >$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 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 | 3.911 | 3.170 | 3.659 | 3.052 | 3.036 | 3.300 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.131 | 3.634 | ------ | ------ | 3.259 | 3.390 | | 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 | 4.250 | APR | 4.266 | 3.564 | 4.021 | 3.592 | 4.414 | 4.298 | | ******************************* 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 | 3.990 | 3.500 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | ------ | 4.000 | | 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 | 2.875 | 3.125 | 3.375 | APR | 3.891 | 3.172 | 3.676 | 2.995 | 3.157 | 3.406 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.134 | 3.638 | ------ | ------ | 3.263 | 3.393 | | 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 | ------ | 4.250 | APR | 4.275 | 3.579 | 4.039 | 3.615 | ------ | 4.311 | 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 |