SUMMARY:今天(12月22日 星期四)开盘时的房贷利率价格和上个工作日相比趋于稍差 。目前重新贷款40万左右的利率,30年固定利率稳定在4.25%,15年固定利率稳定至 3.375%,5/1 ARM上升至3.625%。购房贷款40万左右,30年固定的利率稳定在4.125%, 15年固定利率稳定在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。 (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 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.375 | 3.625 | 4.250 | 3.625 | 3.875 | 4.000 | Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 | | 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 | 3.875 | 4.125 | >$417K | 4.500 | ------ | 4.625 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 | APR | 4.125 | 3.294 | 3.861 | 3.199 | 3.299 | 3.531 | | >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.375 | 3.750 | APR | 4.381 | 3.551 | 4.135 | 3.554 | 3.418 | 3.792 | | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 | APR | 4.283 | 3.801 | ------ | ------ | 3.523 | 3.667 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.375 | 4.625 | APR | 4.505 | 3.832 | 4.294 | 3.868 | 4.430 | 4.665 | | ******************************* 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 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | >$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.875 | 4.000 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 | APR | 4.097 | 3.244 | 3.822 | 3.126 | 3.266 | 3.503 | | >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 | APR | 4.363 | 3.887 | ------ | ------ | 3.499 | 3.743 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 | APR | 4.475 | 3.780 | 4.254 | 3.794 | 4.395 | 4.523 | | ******************************* 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 | 4.250 | 3.500 | 4.000 | 3.375 | 3.750 | 3.875 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 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 | 3.500 | 4.125 | 4.250 | >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 | | 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 | 3.500 | APR | 4.031 | 3.250 | 3.827 | 3.136 | 3.270 | 3.506 | | >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 | APR | 4.366 | 3.891 | ------ | ------ | 3.501 | 3.746 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 | APR | 4.407 | 3.787 | 4.259 | 3.804 | 4.399 | 4.527 | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 4.125 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.250 | 3.625 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 | | 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 | 3.500 | APR | 4.036 | 3.259 | 3.860 | 3.197 | 3.278 | 3.527 | | >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 | APR | 4.364 | 3.888 | ------ | ------ | 3.497 | 3.742 | | 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 | 4.375 | 4.500 | APR | 4.412 | 3.726 | 4.293 | 3.771 | 4.408 | 4.536 | | ******************************* 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 | 4.375 | 3.625 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.250 | 3.875 | ------ | ------ | >$417K | 4.875 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 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 | APR | 4.037 | 3.274 | 3.816 | 3.220 | 3.297 | 3.526 | | >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 | APR | 4.366 | 3.892 | ------ | ------ | 3.502 | 3.746 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.375 | 4.625 | APR | 4.421 | 3.811 | 4.259 | 3.846 | 4.428 | 4.663 | 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 |