SUMMARY:今天(05月12日 星期五)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年固定利率稳定在3. 250%,5/1 ARM稳定到3.375%。购房贷款40万左右,30年固定的利率稳定在3.95%, 15年固定利率上升到3.250%,5/1 ARM稳定在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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 | >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 | Jumbo | 4.250 | 3.875 | 4.500 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.500 | 3.875 | 4.125 | ------ | 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 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.900 | 3.169 | 3.660 | 3.090 | 3.159 | 3.304 | | >$417K | 4.050 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 | APR | 4.098 | 3.257 | 3.880 | 3.213 | 3.530 | 3.536 | | Jumbo | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.156 | 3.798 | 4.398 | ------ | 3.415 | 3.526 | | 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 | 3.750 | 4.000 | APR | 4.276 | 3.581 | 4.078 | 3.519 | 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.871 | 3.119 | 3.618 | 3.017 | 3.130 | 3.276 | | >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.131 | 3.852 | 4.362 | ------ | 3.391 | 3.502 | | 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 | 3.750 | 4.000 | APR | 4.246 | 3.530 | 4.038 | 3.445 | 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.375 | 3.625 | >$417K | 4.625 | 4.250 | 4.625 | ------ | 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 | 3.875 | 3.250 | 3.750 | 3.875 | >$417K | 4.875 | 4.250 | 4.625 | ------ | 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 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.865 | 3.125 | 3.615 | 3.027 | 3.133 | 3.280 | | >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.133 | 3.857 | 4.366 | ------ | 3.393 | 3.505 | | 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 | 3.750 | 4.000 | APR | 4.240 | 3.537 | 4.034 | 3.455 | 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.875 | 4.375 | 4.625 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 4.250 | 4.375 | >$417K | 4.875 | 4.375 | 4.625 | ------ | 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 | 2.875 | 3.125 | 3.250 | APR | 3.870 | 3.081 | 3.645 | 3.019 | 3.142 | 3.305 | | >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.129 | 3.850 | 4.366 | ------ | 3.389 | 3.501 | | 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 | 3.750 | 4.000 | APR | 4.172 | 3.545 | 4.050 | 3.467 | 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 | 4.125 | 3.500 | 4.000 | 3.375 | 4.250 | 4.375 | >$417K | 5.125 | 4.625 | 4.875 | ------ | 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 | 3.625 | 4.125 | 3.500 | 4.625 | 4.625 | >$417K | 5.125 | 4.625 | 4.875 | ------ | 4.000 | 4.000 | | 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 | 3.125 | 3.250 | APR | 3.878 | 3.096 | 3.669 | 3.061 | 3.158 | 3.303 | | >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.134 | 3.858 | 4.366 | ------ | 3.394 | 3.505 | | 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 | 3.750 | 4.000 | APR | 4.181 | 3.561 | 4.063 | 3.490 | 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 |