SUMMARY:今天(02月22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年固定利率稳定至3.
250%,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3.950%,
15年固定利率稳定在3.125%,5/1 ARM下降至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 |
3.250 |
3.500 |
>$417K |
4.200 |
3.375 |
4.000 |
3.250 |
3.750 |
3.875 |
Jumbo |
4.375 |
4.000 |
4.375 |
------ |
3.750 |
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 |
3.950 |
3.250 |
3.500 |
3.625 |
>$417K |
4.500 |
4.000 |
4.375 |
------ |
3.750 |
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 |
3.985 |
3.222 |
3.769 |
3.215 |
3.039 |
3.278 |
|
>$417K |
4.050 |
3.375 |
4.000 |
3.250 |
3.375 |
3.625 |
APR |
4.092 |
3.385 |
4.007 |
3.269 |
3.413 |
3.640 |
|
Jumbo |
4.250 |
3.750 |
4.250 |
------ |
3.500 |
3.625 |
APR |
4.258 |
3.798 |
4.272 |
------ |
3.538 |
3.656 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.625 |
4.125 |
3.500 |
3.625 |
3.875 |
APR |
4.390 |
3.688 |
4.158 |
3.591 |
3.657 |
3.907 |
|
******************************* 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 |
3.250 |
3.125 |
3.500 |
>$417K |
4.375 |
4.000 |
4.375 |
------ |
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 |
3.875 |
3.250 |
3.375 |
3.625 |
>$417K |
4.375 |
4.000 |
4.375 |
------ |
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 |
3.125 |
APR |
3.954 |
3.172 |
3.726 |
3.142 |
3.002 |
3.147 |
|
>$417K |
4.250 |
3.875 |
4.250 |
------ |
3.500 |
3.625 |
APR |
4.233 |
3.888 |
4.237 |
------ |
3.514 |
3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.625 |
4.125 |
3.500 |
3.625 |
3.875 |
APR |
4.361 |
3.639 |
4.121 |
3.517 |
3.628 |
3.878 |
|
******************************* 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 |
3.250 |
3.875 |
3.250 |
3.375 |
3.625 |
>$417K |
4.875 |
4.125 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.950 |
3.375 |
3.625 |
3.750 |
>$417K |
4.875 |
4.125 |
4.500 |
------ |
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 |
3.125 |
APR |
3.952 |
3.178 |
3.723 |
3.151 |
3.006 |
3.150 |
|
>$417K |
4.250 |
3.875 |
4.250 |
------ |
3.500 |
3.625 |
APR |
4.235 |
3.893 |
4.241 |
------ |
3.517 |
3.634 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
4.125 |
3.500 |
3.625 |
3.875 |
APR |
4.282 |
3.646 |
4.112 |
3.527 |
3.632 |
3.882 |
|
******************************* 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 |
3.950 |
3.250 |
3.500 |
3.625 |
>$417K |
4.875 |
4.250 |
4.500 |
------ |
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 |
3.625 |
4.125 |
3.625 |
4.125 |
3.990 |
>$417K |
4.875 |
4.250 |
4.500 |
------ |
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 |
3.750 |
3.000 |
2.990 |
3.250 |
APR |
3.921 |
3.206 |
3.754 |
3.144 |
3.032 |
3.271 |
|
>$417K |
4.250 |
3.875 |
4.250 |
------ |
3.500 |
3.625 |
APR |
4.231 |
3.886 |
4.241 |
------ |
3.512 |
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 |
3.375 |
3.625 |
3.875 |
APR |
4.287 |
3.582 |
4.143 |
3.520 |
3.672 |
3.923 |
|
******************************* 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 |
3.375 |
4.125 |
4.125 |
>$417K |
5.125 |
4.500 |
4.750 |
------ |
4.500 |
4.500 |
|
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 |
3.500 |
------ |
4.500 |
>$417K |
5.125 |
4.500 |
4.750 |
------ |
4.500 |
4.500 |
|
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 |
3.920 |
3.203 |
3.778 |
3.140 |
3.044 |
3.283 |
|
>$417K |
4.250 |
3.875 |
4.250 |
------ |
3.500 |
3.625 |
APR |
4.236 |
3.894 |
4.241 |
------ |
3.517 |
3.635 |
|
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 |
3.625 |
3.875 |
APR |
4.296 |
3.598 |
4.167 |
3.562 |
3.673 |
3.924 |
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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