SUMMARY:今天(05月02日 星期二)开盘时的房贷利率价格和上个工作日相比下降。目
前重新贷款40万左右的利率,30年固定利率稳定在4.000%,15年固定利率稳定在3.
250%,5/1 ARM下降到3.250%。购房贷款40万左右,30年固定的利率稳定在3.875%,
15年固定利率下降在3.000%,5/1 ARM稳定在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 |
3.750 |
3.125 |
3.250 |
3.500 |
>$417K |
4.125 |
3.250 |
4.000 |
3.250 |
3.750 |
3.750 |
Jumbo |
4.125 |
3.625 |
------ |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
3.625 |
3.750 |
>$417K |
4.375 |
3.750 |
4.250 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.890 |
3.098 |
3.702 |
3.064 |
3.053 |
3.294 |
|
>$417K |
4.000 |
3.250 |
3.875 |
3.250 |
3.500 |
3.500 |
APR |
4.044 |
3.256 |
3.902 |
3.210 |
3.522 |
3.542 |
|
Jumbo |
4.000 |
3.500 |
------ |
------ |
3.375 |
3.500 |
APR |
4.012 |
3.541 |
------ |
------ |
3.407 |
3.519 |
|
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 |
4.000 |
4.125 |
APR |
4.265 |
3.563 |
4.064 |
3.492 |
4.053 |
4.171 |
|
******************************* 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 |
3.750 |
3.125 |
3.250 |
3.500 |
>$417K |
4.125 |
3.750 |
------ |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
3.500 |
3.750 |
>$417K |
4.250 |
3.875 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.861 |
3.048 |
3.660 |
2.991 |
3.022 |
3.266 |
|
>$417K |
4.000 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
4.009 |
3.600 |
------ |
------ |
3.383 |
3.495 |
|
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 |
4.000 |
4.125 |
APR |
4.236 |
3.512 |
4.024 |
3.419 |
4.019 |
4.137 |
|
******************************* 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 |
3.375 |
3.625 |
>$417K |
4.250 |
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 |
4.000 |
3.250 |
3.625 |
3.875 |
>$417K |
4.375 |
4.000 |
------ |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.855 |
3.054 |
3.665 |
3.001 |
3.025 |
3.270 |
|
>$417K |
4.000 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
4.011 |
3.604 |
------ |
------ |
3.385 |
3.497 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
4.000 |
3.375 |
4.000 |
4.125 |
APR |
4.157 |
3.519 |
4.029 |
3.428 |
4.022 |
4.140 |
|
******************************* 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 |
4.000 |
3.250 |
3.875 |
3.250 |
3.500 |
3.750 |
>$417K |
4.250 |
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 |
4.250 |
3.500 |
4.000 |
3.625 |
4.250 |
4.250 |
>$417K |
4.375 |
4.000 |
------ |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.000 |
3.625 |
2.875 |
3.000 |
3.250 |
APR |
3.796 |
3.063 |
3.674 |
2.992 |
3.033 |
3.282 |
|
>$417K |
4.000 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
4.009 |
3.601 |
------ |
------ |
3.381 |
3.493 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
4.000 |
3.375 |
4.000 |
4.125 |
APR |
4.161 |
3.475 |
4.036 |
3.440 |
4.031 |
4.149 |
|
******************************* 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 |
4.125 |
3.375 |
4.000 |
3.375 |
4.250 |
4.250 |
>$417K |
4.500 |
4.375 |
------ |
------ |
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 |
3.500 |
4.500 |
4.500 |
>$417K |
4.500 |
------ |
------ |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.000 |
3.625 |
2.875 |
3.000 |
3.250 |
APR |
3.805 |
3.078 |
3.687 |
3.015 |
3.052 |
3.293 |
|
>$417K |
4.000 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
4.012 |
3.605 |
------ |
------ |
3.386 |
3.498 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
4.000 |
3.375 |
4.000 |
4.125 |
APR |
4.170 |
3.543 |
4.048 |
3.463 |
4.051 |
4.169 |
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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