SUMMARY:今天(03月15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4.250%,15年固定利率稳定在3. 375%,5/1 ARM稳定至3.375%。购房贷款40万左右,30年固定的利率稳定在4.125%, 15年固定利率稳定在3.250%,5/1 ARM稳定至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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 | >$417K | 4.375 | 3.500 | 4.250 | 3.625 | 3.875 | 4.000 | Jumbo | 4.375 | 4.000 | 4.625 | ------ | 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 | 3.500 | 3.625 | 3.875 | >$417K | 4.750 | 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 | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 | APR | 4.161 | 3.330 | 3.990 | 3.288 | 3.177 | 3.419 | | >$417K | 4.200 | 3.375 | 4.125 | 3.375 | 3.750 | 3.875 | APR | 4.250 | 3.454 | 4.176 | 3.492 | 3.781 | 3.899 | | Jumbo | 4.250 | 3.750 | 4.500 | ------ | 3.625 | 3.750 | APR | 4.287 | 3.785 | 4.523 | ------ | 3.659 | 3.777 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.875 | 4.125 | APR | 4.547 | 3.920 | 4.415 | 3.868 | 3.907 | 4.158 | | ******************************* 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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 | >$417K | 4.500 | 4.125 | 4.625 | ------ | 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 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 | >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 | APR | 4.132 | 3.280 | 3.947 | 3.215 | 3.145 | 3.392 | | >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 | APR | 4.365 | 3.778 | 4.487 | ------ | 3.635 | 3.754 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 3.950 | 3.750 | 3.875 | 4.125 | APR | 4.518 | 3.869 | 3.939 | 3.794 | 3.878 | 4.128 | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.375 | 3.500 | 3.750 | >$417K | 4.625 | 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 | 4.375 | 3.750 | 4.250 | 3.625 | 3.750 | 4.000 | >$417K | 4.625 | 4.375 | 4.750 | ------ | 4.125 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 | APR | 4.125 | 3.287 | 3.944 | 3.224 | 3.148 | 3.395 | | >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 | APR | 4.367 | 3.783 | 4.491 | ------ | 3.637 | 3.757 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.875 | 4.125 | APR | 4.511 | 3.875 | 4.368 | 3.804 | 3.882 | 4.132 | | ******************************* 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 | 4.375 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 | >$417K | 4.625 | 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 | 4.500 | 3.875 | 4.375 | 3.875 | ------ | 4.500 | >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.125 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 | APR | 4.130 | 3.295 | 3.975 | 3.236 | 3.156 | 3.410 | | >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 | APR | 4.365 | 3.780 | 4.491 | ------ | 3.633 | 3.753 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.125 | APR | 4.516 | 3.851 | 4.330 | 3.771 | 3.923 | 4.174 | | ******************************* 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 | 4.500 | 3.750 | 4.250 | 3.625 | 4.500 | 4.500 | >$417K | 4.750 | 4.750 | 5.000 | ------ | 4.375 | 4.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.625 | 3.875 | 4.375 | 3.875 | ------ | 4.750 | >$417K | 4.875 | 4.750 | 5.000 | ------ | 4.500 | 4.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 | APR | 4.139 | 3.311 | 3.999 | 3.259 | 3.175 | 3.418 | | >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 | APR | 4.368 | 3.784 | 4.491 | ------ | 3.638 | 3.757 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.875 | 4.125 | APR | 4.525 | 3.900 | 4.395 | 3.839 | 3.924 | 4.175 | 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 |