SUMMARY:今天(01月24日 星期二)开盘时的房贷利率价格和上个工作日相比稍差 。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年固定利率稳定在3. 25%,5/1 ARM稳定在3.250%。购房贷款40万左右,30年固定的利率稳定在4.000%, 15年固定利率上升至3.25%,5/1 ARM上升至3.000%. 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 | 4.000 | 3.250 | 3.250 | 3.500 | >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 | Jumbo | 4.375 | 4.000 | ------ | ------ | 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 | 4.125 | 3.375 | 3.750 | 3.990 | >$417K | 4.500 | 4.000 | 4.625 | ------ | 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 | 3.250 | 3.000 | 3.250 | APR | 4.025 | 3.240 | 3.890 | 3.235 | 3.053 | 3.294 | | >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 | APR | 4.173 | 3.396 | 4.035 | 3.442 | 3.540 | 3.777 | | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.273 | 3.816 | ------ | ------ | 3.411 | 3.656 | | 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 | 4.375 | 4.375 | APR | 4.401 | 3.688 | 4.271 | 3.716 | 4.422 | 4.428 | | ******************************* 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 | 3.250 | 3.500 | >$417K | 4.375 | 4.125 | ------ | ------ | 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 | 3.375 | 4.000 | 3.375 | 3.750 | 3.990 | >$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 | 3.875 | 3.125 | 2.990 | 3.250 | APR | 4.014 | 3.190 | 3.850 | 3.159 | 3.011 | 3.266 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.248 | 3.905 | ------ | ------ | 3.388 | 3.632 | | 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 | 4.371 | 3.637 | 4.230 | 3.642 | 4.149 | 4.275 | | ******************************* 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 | 4.000 | 3.375 | 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 | 4.125 | 3.500 | 3.875 | 3.990 | >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 2.990 | 3.250 | APR | 4.018 | 3.196 | 3.855 | 3.168 | 3.015 | 3.270 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.250 | 3.910 | ------ | ------ | 3.390 | 3.634 | | 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 | 4.365 | 3.644 | 4.236 | 3.652 | 4.153 | 4.279 | | ******************************* 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 | 4.000 | 3.375 | 3.750 | 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 | 4.500 | 3.750 | 4.125 | 3.750 | ------ | 4.500 | >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 3.995 | 3.206 | 3.869 | 3.235 | 3.054 | 3.295 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.246 | 3.902 | ------ | ------ | 3.386 | 3.630 | | 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 | 4.250 | 4.375 | APR | 4.297 | 3.600 | 4.190 | 3.645 | 4.289 | 4.421 | | ******************************* 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 | 3.500 | 4.125 | 3.500 | ------ | ------ | >$417K | ------ | ------ | ------ | ------ | ------ | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 4.004 | 3.222 | 3.855 | 3.228 | 3.052 | 3.293 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.251 | 3.910 | ------ | ------ | 3.391 | 3.635 | | 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 | 4.375 | 4.375 | APR | 4.306 | 3.668 | 4.202 | 3.687 | 4.420 | 4.434 | 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 |