SUMMARY:今天(1月3日 星期二)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稳定至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 |
3.375 |
3.875 |
3.250 |
3.500 |
3.750 |
>$417K |
4.250 |
3.625 |
4.125 |
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 |
3.875 |
3.375 |
3.875 |
3.990 |
>$417K |
4.500 |
4.250 |
4.625 |
------ |
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 |
4.040 |
3.276 |
3.793 |
3.231 |
3.039 |
3.410 |
|
>$417K |
4.125 |
3.500 |
4.000 |
3.375 |
3.500 |
3.750 |
APR |
4.150 |
3.528 |
4.025 |
3.459 |
3.540 |
3.787 |
|
Jumbo |
4.250 |
3.875 |
------ |
------ |
3.375 |
3.625 |
APR |
4.276 |
3.925 |
------ |
------ |
3.415 |
3.667 |
|
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 |
4.411 |
3.725 |
4.198 |
3.769 |
4.178 |
4.305 |
|
******************************* 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 |
4.375 |
4.250 |
------ |
------ |
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 |
3.750 |
3.875 |
>$417K |
4.375 |
4.250 |
------ |
------ |
3.750 |
3.875 |
|
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 |
3.250 |
APR |
4.001 |
3.222 |
3.754 |
3.158 |
3.002 |
3.278 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.375 |
3.625 |
APR |
4.251 |
3.982 |
------ |
------ |
3.391 |
3.643 |
|
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 |
3.990 |
APR |
4.382 |
3.677 |
4.158 |
3.695 |
4.138 |
4.017 |
|
******************************* 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 |
------ |
------ |
------ |
------ |
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 |
4.000 |
3.990 |
>$417K |
------ |
------ |
------ |
------ |
4.000 |
4.125 |
|
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 |
3.250 |
APR |
4.005 |
3.229 |
3.759 |
3.168 |
3.006 |
3.282 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.375 |
3.625 |
APR |
4.253 |
3.987 |
------ |
------ |
3.394 |
3.645 |
|
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 |
3.990 |
APR |
4.375 |
3.684 |
4.163 |
3.705 |
4.142 |
4.021 |
|
******************************* 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 |
------ |
------ |
------ |
------ |
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 |
------ |
4.500 |
>$417K |
------ |
------ |
------ |
------ |
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 |
4.033 |
3.241 |
3.792 |
3.230 |
3.032 |
3.403 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.375 |
3.625 |
APR |
4.249 |
3.979 |
------ |
------ |
3.390 |
3.641 |
|
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 |
4.297 |
3.689 |
4.197 |
3.717 |
4.170 |
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 |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
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 |
4.375 |
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 |
4.046 |
3.243 |
3.758 |
3.167 |
3.044 |
3.415 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.375 |
3.625 |
APR |
4.254 |
3.987 |
------ |
------ |
3.394 |
3.646 |
|
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 |
4.306 |
3.705 |
4.163 |
3.720 |
4.183 |
4.311 |
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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