SUMMARY:今天(1月4日 星期三)开盘时的房贷利率价格和上个工作日相比趋于下降
。目前重新贷款40万左右的利率,30年固定利率稳定在4.125%,15年固定利率下降至
3.250%,5/1 ARM稳定在3.500%。购房贷款40万左右,30年固定的利率下降在3.950%,
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 |
3.250 |
3.875 |
3.250 |
3.500 |
3.625 |
>$417K |
4.200 |
3.500 |
4.125 |
4.125 |
3.750 |
4.000 |
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 |
3.875 |
3.375 |
3.750 |
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 |
3.950 |
3.250 |
3.750 |
3.125 |
2.990 |
3.375 |
APR |
4.009 |
3.258 |
3.793 |
3.231 |
3.035 |
3.403 |
|
>$417K |
4.125 |
3.375 |
4.000 |
3.375 |
3.500 |
3.750 |
APR |
4.138 |
3.457 |
4.032 |
3.455 |
3.536 |
3.780 |
|
Jumbo |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.264 |
3.802 |
------ |
------ |
3.409 |
3.659 |
|
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 |
4.173 |
4.298 |
|
******************************* 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 |
4.125 |
------ |
------ |
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 |
3.875 |
3.250 |
3.625 |
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 |
3.950 |
3.250 |
3.750 |
3.125 |
2.990 |
3.250 |
APR |
3.969 |
3.205 |
3.754 |
3.148 |
2.998 |
3.271 |
|
>$417K |
4.250 |
3.875 |
------ |
------ |
3.375 |
3.625 |
APR |
4.239 |
3.892 |
------ |
------ |
3.385 |
3.635 |
|
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 |
4.026 |
4.010 |
|
******************************* 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 |
------ |
------ |
------ |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.950 |
3.250 |
3.750 |
3.125 |
2.990 |
3.250 |
APR |
3.973 |
3.212 |
3.759 |
3.158 |
3.002 |
3.275 |
|
>$417K |
4.250 |
3.875 |
------ |
------ |
3.375 |
3.625 |
APR |
4.242 |
3.897 |
------ |
------ |
3.387 |
3.637 |
|
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 |
4.030 |
4.014 |
|
******************************* 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 |
3.875 |
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 |
------ |
4.375 |
>$417K |
------ |
------ |
------ |
------ |
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 |
4.001 |
3.206 |
3.792 |
3.224 |
3.028 |
3.396 |
|
>$417K |
4.250 |
3.875 |
------ |
------ |
3.375 |
3.625 |
APR |
4.237 |
3.890 |
------ |
------ |
3.383 |
3.633 |
|
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 |
4.166 |
4.042 |
|
******************************* 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 |
3.125 |
3.750 |
3.125 |
2.990 |
3.375 |
APR |
4.035 |
3.222 |
3.758 |
3.167 |
3.040 |
3.408 |
|
>$417K |
4.250 |
3.875 |
------ |
------ |
3.375 |
3.625 |
APR |
4.242 |
3.898 |
------ |
------ |
3.388 |
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 |
4.250 |
APR |
4.296 |
3.686 |
4.163 |
3.720 |
4.179 |
4.303 |
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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