SUMMARY:今天(12月30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4.125%,15年固定利率稳定至 3.375%,5/1 ARM稳定在3.500%。购房贷款40万左右,30年固定的利率稳定在3.990%, 15年固定利率稳定在3.250%,5/1 ARM降低至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 | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | >$417K | 4.200 | 3.625 | 4.125 | 3.875 | 3.750 | 4.000 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.750 | 3.990 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.029 | 3.258 | 3.793 | 3.231 | 3.033 | 3.403 | | >$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 | APR | 4.137 | 3.512 | 4.015 | 3.430 | 3.537 | 3.785 | | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.241 | 3.671 | ------ | ------ | 3.410 | 3.660 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 | APR | 4.401 | 3.706 | 4.198 | 3.743 | 4.171 | 4.299 | | ******************************* 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 | 3.875 | 3.250 | 3.375 | 3.625 | >$417K | 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 | 4.125 | 3.500 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.970 | 3.208 | 3.754 | 3.158 | 2.996 | 3.272 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.237 | 3.729 | ------ | ------ | 3.387 | 3.640 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 | APR | 4.371 | 3.655 | 4.158 | 3.669 | 4.024 | 4.011 | | ******************************* 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 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.500 | 4.125 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.875 | 3.990 | >$417K | 4.500 | 4.375 | ------ | ------ | 3.875 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.973 | 3.214 | 3.759 | 3.168 | 3.000 | 3.276 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.240 | 3.734 | ------ | ------ | 3.389 | 3.642 | | 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 | 4.000 | 3.990 | APR | 4.282 | 3.662 | 4.163 | 3.679 | 4.028 | 4.015 | | ******************************* 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 | 3.500 | 4.000 | 3.375 | 3.875 | 3.990 | >$417K | 4.500 | 4.125 | ------ | ------ | 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 | 3.750 | 4.125 | 3.625 | ------ | 4.375 | >$417K | 4.500 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.002 | 3.224 | 3.792 | 3.230 | 3.026 | 3.396 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.238 | 3.730 | ------ | ------ | 3.385 | 3.638 | | 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 | 4.125 | 3.990 | APR | 4.287 | 3.670 | 4.190 | 3.691 | 4.164 | 4.043 | | ******************************* 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 | 3.500 | ------ | 4.500 | >$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 | 4.125 | 3.750 | ------ | ------ | >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.035 | 3.238 | 3.758 | 3.167 | 3.038 | 3.409 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.241 | 3.735 | ------ | ------ | 3.390 | 3.643 | | 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 | 4.125 | 4.250 | APR | 4.296 | 3.686 | 4.163 | 3.720 | 4.177 | 4.304 | 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 |