SUMMARY:今天(12月28日 星期三)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4.125%,15年固定利率稳定至 3.375%,5/1 ARM稳定在3.625%。购房贷款40万左右,30年固定的利率稳定在4.000%, 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 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.375 | 3.750 | 4.250 | 3.750 | 3.875 | 4.000 | Jumbo | 4.500 | 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 | 4.000 | 3.375 | 4.000 | 3.990 | >$417K | 4.625 | ------ | 4.625 | ------ | 3.875 | 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 | 3.125 | 3.250 | 3.375 | APR | 4.052 | 3.305 | 3.847 | 3.258 | 3.292 | 3.430 | | >$417K | 4.200 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 | APR | 4.232 | 3.566 | 4.141 | 3.567 | 3.653 | 3.893 | | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.289 | 3.780 | ------ | ------ | 3.524 | 3.769 | | 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 | ------ | 4.500 | APR | 4.515 | 3.832 | 4.280 | 3.868 | ------ | 4.547 | | ******************************* 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 | 4.000 | ------ | ------ | 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 | 3.990 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.250 | 3.375 | APR | 4.023 | 3.255 | 3.807 | 3.184 | 3.255 | 3.392 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.369 | 3.774 | ------ | ------ | 3.500 | 3.749 | | 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 | APR | 4.486 | 3.780 | 4.239 | 3.794 | ------ | 4.400 | | ******************************* 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 | 3.250 | 3.750 | 3.875 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.125 | | 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 | ------ | ------ | ------ | 3.875 | 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 | 3.125 | 3.250 | 3.375 | APR | 4.027 | 3.261 | 3.813 | 3.194 | 3.259 | 3.395 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.372 | 3.778 | ------ | ------ | 3.503 | 3.751 | | 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 | APR | 4.479 | 3.787 | 4.245 | 3.804 | ------ | 4.404 | | ******************************* 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 | 4.000 | 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 | 4.375 | 3.875 | 4.125 | 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 | 3.125 | 3.250 | 3.375 | APR | 4.047 | 3.277 | 3.846 | 3.256 | 3.285 | 3.423 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.370 | 3.775 | ------ | ------ | 3.499 | 3.747 | | 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 | ------ | 4.500 | APR | 4.423 | 3.726 | 4.279 | 3.771 | ------ | 4.539 | | ******************************* 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 | 3.500 | ------ | ------ | >$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 | 4.250 | 3.750 | ------ | ------ | >$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 | 4.027 | 3.261 | 3.801 | 3.193 | 3.298 | 3.526 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.372 | 3.779 | ------ | ------ | 3.503 | 3.752 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | ------ | 4.500 | APR | 4.432 | 3.811 | 4.244 | 3.747 | ------ | 4.553 | 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 |