SUMMARY:今天(12月23日 星期五)开盘时的房贷利率价格和上个工作日相比趋于持平
。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降低至3.500%。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稳定在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 |
3.375 |
4.000 |
3.375 |
3.500 |
3.750 |
>$417K |
4.375 |
3.625 |
4.250 |
4.000 |
3.375 |
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 |
3.990 |
>$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 |
2.990 |
3.375 |
APR |
4.119 |
3.312 |
3.948 |
3.340 |
3.040 |
3.411 |
|
>$417K |
4.200 |
3.500 |
4.125 |
3.750 |
3.500 |
3.750 |
APR |
4.218 |
3.549 |
4.132 |
3.854 |
3.543 |
3.791 |
|
Jumbo |
4.250 |
3.750 |
------ |
------ |
3.500 |
3.625 |
APR |
4.283 |
3.792 |
------ |
------ |
3.520 |
3.666 |
|
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 |
4.125 |
4.250 |
APR |
4.505 |
3.832 |
4.329 |
3.868 |
4.178 |
4.306 |
|
******************************* 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 |
4.000 |
3.375 |
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 |
4.125 |
3.500 |
3.750 |
3.875 |
>$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 |
4.050 |
3.250 |
3.875 |
3.250 |
2.990 |
3.375 |
APR |
4.070 |
3.257 |
3.894 |
3.266 |
3.003 |
3.373 |
|
>$417K |
4.375 |
3.875 |
------ |
------ |
3.500 |
3.750 |
APR |
4.363 |
3.878 |
------ |
------ |
3.496 |
3.742 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.450 |
3.750 |
4.000 |
3.750 |
4.125 |
3.990 |
APR |
4.474 |
3.769 |
4.015 |
3.794 |
4.139 |
4.018 |
|
******************************* 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 |
4.125 |
3.500 |
3.625 |
3.750 |
>$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 |
4.250 |
3.625 |
4.000 |
3.990 |
>$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 |
2.990 |
3.375 |
APR |
4.031 |
3.263 |
3.899 |
3.276 |
3.007 |
3.377 |
|
>$417K |
4.375 |
3.875 |
------ |
------ |
3.500 |
3.750 |
APR |
4.366 |
3.883 |
------ |
------ |
3.498 |
3.745 |
|
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 |
4.125 |
3.990 |
APR |
4.407 |
3.775 |
4.294 |
3.804 |
4.142 |
4.022 |
|
******************************* 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 |
3.990 |
>$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 |
3.875 |
------ |
4.500 |
>$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 |
2.990 |
3.375 |
APR |
4.036 |
3.277 |
3.930 |
3.289 |
3.033 |
3.404 |
|
>$417K |
4.375 |
3.875 |
------ |
------ |
3.500 |
3.750 |
APR |
4.364 |
3.879 |
------ |
------ |
3.494 |
3.741 |
|
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 |
4.125 |
4.250 |
APR |
4.412 |
3.726 |
4.301 |
3.771 |
4.171 |
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 |
4.375 |
3.625 |
4.250 |
3.625 |
------ |
4.500 |
>$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 |
4.375 |
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 |
3.875 |
3.250 |
2.990 |
3.375 |
APR |
4.045 |
3.292 |
3.955 |
3.312 |
3.045 |
3.416 |
|
>$417K |
4.375 |
3.875 |
------ |
------ |
3.500 |
3.750 |
APR |
4.366 |
3.884 |
------ |
------ |
3.499 |
3.745 |
|
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 |
4.125 |
4.375 |
APR |
4.421 |
3.811 |
4.313 |
3.839 |
4.184 |
4.424 |
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
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