SUMMARY:今天(03月02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4.125%,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4.000%, 15年固定利率稳定在3.250%,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 | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 | >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.875 | 4.000 | Jumbo | 4.375 | 3.875 | 4.500 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 | >$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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 4.046 | 3.240 | 3.869 | 3.268 | 3.049 | 3.300 | | >$417K | 4.200 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 | APR | 4.219 | 3.422 | 4.064 | 3.366 | 3.659 | 3.788 | | Jumbo | 4.250 | 3.625 | 4.375 | ------ | 3.625 | 3.750 | APR | 4.257 | 3.687 | 4.398 | ------ | 3.650 | 3.770 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.750 | 4.000 | APR | 4.433 | 3.706 | 4.258 | 3.644 | 3.782 | 4.032 | | ******************************* 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 | 4.000 | 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 | 4.250 | 3.375 | 3.950 | 3.375 | 3.500 | 3.750 | >$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 | 3.990 | 3.250 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 4.017 | 3.190 | 3.826 | 3.195 | 3.022 | 3.272 | | >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.750 | APR | 4.253 | 3.746 | 4.362 | ------ | 3.625 | 3.746 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.750 | 4.000 | APR | 4.403 | 3.655 | 4.215 | 3.570 | 3.753 | 4.003 | | ******************************* 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 | 3.950 | 3.250 | 3.375 | 3.750 | >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 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 | 3.375 | 3.750 | 3.875 | >$417K | 4.625 | 4.250 | 4.625 | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 | APR | 4.020 | 3.196 | 3.785 | 3.204 | 3.026 | 3.276 | | >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.750 | APR | 4.256 | 3.751 | 4.366 | ------ | 3.628 | 3.748 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.750 | 4.000 | APR | 4.396 | 3.662 | 4.212 | 3.580 | 3.757 | 4.007 | | ******************************* 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 | 4.000 | 3.375 | 3.625 | 3.875 | >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 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 | 3.750 | ------ | 4.375 | >$417K | 4.625 | 4.375 | 4.625 | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 | APR | 4.015 | 3.205 | 3.815 | 3.216 | 3.049 | 3.300 | | >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.750 | APR | 4.253 | 3.747 | 4.366 | ------ | 3.624 | 3.744 | | 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 | 3.750 | 4.000 | APR | 4.401 | 3.670 | 4.190 | 3.592 | 3.798 | 4.048 | | ******************************* 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 | 4.375 | 3.625 | 4.125 | 3.500 | ------ | 4.500 | >$417K | 4.625 | 4.625 | 4.875 | ------ | 4.375 | 4.375 | | 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 | 3.625 | ------ | ------ | >$417K | 4.750 | 4.625 | 4.875 | ------ | 4.375 | 4.375 | | 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 | 3.000 | 3.250 | APR | 4.024 | 3.220 | 3.878 | 3.239 | 3.045 | 3.296 | | >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.750 | APR | 4.256 | 3.752 | 4.366 | ------ | 3.628 | 3.749 | | 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 | 3.750 | 4.000 | APR | 4.410 | 3.686 | 4.202 | 3.615 | 3.798 | 4.049 | 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 |