SUMMARY:今天(01月25日 星期三)开盘时的房贷利率价格和上个工作日相比持平
。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年固定利率稳定在3.
250%,5/1 ARM稳定在3.375%。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3.25%,5/1 ARM稳定在3.125%.
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 |
3.375 |
3.750 |
>$417K |
4.375 |
3.500 |
4.125 |
3.500 |
3.750 |
3.875 |
Jumbo |
4.375 |
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 |
4.250 |
3.375 |
4.125 |
3.375 |
3.750 |
3.990 |
>$417K |
4.500 |
4.000 |
4.500 |
------ |
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 |
3.125 |
3.250 |
APR |
4.036 |
3.240 |
3.912 |
3.235 |
3.159 |
3.304 |
|
>$417K |
4.200 |
3.375 |
4.000 |
3.375 |
3.500 |
3.750 |
APR |
4.216 |
3.410 |
4.055 |
3.469 |
3.530 |
3.786 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
3.375 |
3.625 |
APR |
4.250 |
3.667 |
------ |
------ |
3.409 |
3.655 |
|
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 |
4.250 |
4.500 |
APR |
4.422 |
3.706 |
4.285 |
3.743 |
4.300 |
4.542 |
|
******************************* 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 |
4.000 |
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 |
4.250 |
3.375 |
4.125 |
3.375 |
3.625 |
3.875 |
>$417K |
4.500 |
4.000 |
------ |
------ |
3.750 |
3.875 |
|
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 |
3.125 |
3.250 |
APR |
4.007 |
3.190 |
3.865 |
3.181 |
3.131 |
3.276 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.246 |
3.725 |
------ |
------ |
3.385 |
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 |
4.375 |
APR |
4.393 |
3.655 |
4.245 |
3.669 |
4.152 |
4.396 |
|
******************************* 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 |
3.875 |
>$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 |
4.125 |
3.500 |
3.875 |
4.125 |
>$417K |
4.500 |
4.250 |
------ |
------ |
3.875 |
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 |
3.125 |
3.250 |
APR |
4.000 |
3.196 |
3.871 |
3.191 |
3.135 |
3.280 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.249 |
3.730 |
------ |
------ |
3.388 |
3.637 |
|
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 |
4.375 |
APR |
4.386 |
3.662 |
4.250 |
3.679 |
4.156 |
4.400 |
|
******************************* 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 |
3.375 |
4.125 |
3.375 |
3.750 |
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 |
4.500 |
3.750 |
4.250 |
3.750 |
------ |
------ |
>$417K |
4.500 |
4.250 |
------ |
------ |
3.875 |
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 |
3.125 |
3.250 |
APR |
4.005 |
3.205 |
3.882 |
3.257 |
3.159 |
3.305 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.247 |
3.726 |
------ |
------ |
3.384 |
3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
4.250 |
3.625 |
4.125 |
4.375 |
APR |
4.308 |
3.670 |
4.257 |
3.691 |
4.166 |
4.414 |
|
******************************* 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 |
4.250 |
3.625 |
------ |
------ |
>$417K |
4.625 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.500 |
3.750 |
4.250 |
3.750 |
------ |
------ |
>$417K |
4.750 |
------ |
------ |
------ |
------ |
------ |
|
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 |
3.125 |
3.250 |
APR |
4.014 |
3.220 |
3.910 |
3.250 |
3.158 |
3.303 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.249 |
3.731 |
------ |
------ |
3.388 |
3.637 |
|
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 |
4.250 |
4.500 |
APR |
4.400 |
3.686 |
4.269 |
3.714 |
4.298 |
4.546 |
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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