SUMMARY:今天(01月17日 星期二)开盘时的房贷利率价格和上个工作日相比略微下降 。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年固定利率稳定在3. 250%,5/1 ARM下降至3.375%。购房贷款40万左右,30年固定的利率稳定在3.875%, 15年固定利率稳定在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 | 3.875 | 3.250 | 3.375 | 3.500 | >$417K | 4.125 | 3.375 | 4.000 | 3.500 | 3.750 | 3.875 | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 3.625 | 3.625 | >$417K | 4.375 | 3.875 | 4.375 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 3.921 | 3.187 | 3.771 | 3.131 | 3.026 | 3.292 | | >$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | APR | 4.040 | 3.278 | 3.909 | 3.350 | 3.525 | 3.668 | | Jumbo | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.500 | APR | 4.125 | 3.532 | ------ | ------ | 3.402 | 3.536 | | INVESTMENT PROPERTY - PURCHASE: | | 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 | APR | 4.276 | 3.581 | 4.161 | 3.617 | 4.056 | 4.032 | | ******************************* 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 | 3.875 | 3.125 | 3.250 | 3.500 | >$417K | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | >$417K | 4.250 | 3.875 | ------ | ------ | 3.625 | 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 | 2.990 | 2.990 | 3.250 | APR | 3.892 | 3.137 | 3.661 | 3.057 | 2.989 | 3.255 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.500 | APR | 4.122 | 3.525 | ------ | ------ | 3.378 | 3.516 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.250 | 4.125 | 3.500 | 4.000 | 3.990 | APR | 4.246 | 3.198 | 4.107 | 3.544 | 4.017 | 3.993 | | ******************************* 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 | 3.375 | 3.625 | >$417K | 4.375 | 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 2.990 | 2.990 | 3.250 | APR | 3.886 | 3.143 | 3.666 | 3.067 | 2.993 | 3.258 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.500 | APR | 4.124 | 3.530 | ------ | ------ | 3.381 | 3.519 | | INVESTMENT PROPERTY - PURCHASE: | | 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 | APR | 4.240 | 3.537 | 4.112 | 3.553 | 4.020 | 3.997 | | ******************************* 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 | 3.990 | 3.375 | 3.500 | 3.625 | >$417K | 4.375 | 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 | 4.375 | 3.625 | 4.125 | 3.625 | ------ | 4.250 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 3.890 | 3.099 | 3.761 | 3.091 | 3.019 | 3.281 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.500 | APR | 4.122 | 3.526 | ------ | ------ | 3.377 | 3.515 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 | APR | 4.182 | 3.545 | 4.131 | 3.566 | 4.038 | 4.025 | | ******************************* 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 | 4.125 | 3.500 | 4.125 | 3.500 | ------ | 4.250 | >$417K | 4.500 | 4.375 | ------ | ------ | ------ | 4.125 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | ------ | 4.250 | | 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 | 3.899 | 3.167 | 3.690 | 3.085 | 3.031 | 3.297 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.500 | APR | 4.125 | 3.531 | ------ | ------ | 3.381 | 3.519 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 | APR | 4.254 | 3.561 | 4.144 | 3.588 | 4.168 | 4.037 | 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 |