SUMMARY:今天(02月09日 星期四)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4.000%,15年固定利率稳定至3. 250%,5/1 ARM稳定在3.125%。购房贷款40万左右,30年固定的利率稳定至3.990%, 15年固定利率稳定在3.125%,5/1 ARM稳定至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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.375 | >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.750 | 3.875 | Jumbo | 4.250 | 3.625 | 4.375 | ------ | 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 | 3.950 | 3.250 | 3.500 | 3.625 | >$417K | 4.375 | 3.750 | 4.375 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.125 | APR | 3.931 | 3.205 | 3.780 | 3.143 | 3.032 | 3.176 | | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 | APR | 4.141 | 3.284 | 3.932 | 3.258 | 3.295 | 3.544 | | Jumbo | 4.125 | 3.500 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.125 | 3.550 | 4.272 | ------ | 3.524 | 3.639 | | 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 | 3.750 | APR | 4.286 | 3.581 | 4.146 | 3.519 | 3.657 | 3.782 | | ******************************* 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 | 3.125 | 3.125 | 3.375 | >$417K | 4.250 | 3.750 | 4.375 | ------ | 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 | 3.950 | 3.250 | 3.375 | 3.625 | >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.750 | 3.750 | | 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 | 3.125 | APR | 3.902 | 3.155 | 3.738 | 3.070 | 2.995 | 3.138 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.122 | 3.608 | 4.237 | ------ | 3.500 | 3.615 | | 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 | 3.750 | APR | 4.257 | 3.530 | 4.106 | 3.445 | 3.628 | 3.753 | | ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 | >$417K | 4.375 | 4.000 | 4.500 | ------ | 3.875 | 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 | 3.950 | 3.375 | 3.625 | 3.750 | >$417K | 4.500 | 4.000 | 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 | 3.125 | APR | 3.896 | 3.161 | 3.735 | 3.062 | 2.999 | 3.142 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.124 | 3.612 | 4.241 | ------ | 3.503 | 3.618 | | 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 | 3.750 | APR | 4.250 | 3.537 | 4.117 | 3.455 | 3.632 | 3.757 | | ******************************* 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 | 3.750 | >$417K | 4.375 | 4.000 | 4.500 | ------ | 3.875 | 3.875 | | 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 | 3.625 | 4.000 | 3.990 | >$417K | 4.500 | 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 | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.125 | APR | 3.901 | 3.170 | 3.762 | 3.091 | 3.025 | 3.169 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.122 | 3.609 | 4.241 | ------ | 3.499 | 3.613 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.625 | 3.750 | APR | 4.255 | 3.545 | 4.079 | 3.467 | 3.672 | 3.798 | | ******************************* 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 | 4.000 | 3.375 | 4.125 | 3.990 | >$417K | 4.500 | 4.375 | 4.750 | ------ | 4.125 | 4.125 | | 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 | 3.500 | ------ | 4.500 | >$417K | 4.625 | 4.375 | 4.750 | ------ | 4.250 | 4.250 | | 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 | 3.125 | APR | 3.909 | 3.185 | 3.773 | 3.114 | 3.037 | 3.181 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.125 | 3.613 | 4.241 | ------ | 3.503 | 3.618 | | 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 | 3.750 | APR | 4.264 | 3.561 | 4.130 | 3.490 | 3.673 | 3.798 | 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 |