SUMMARY:今天(05月19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年固定利率上涨至3.950%,15年固定利率稳定在3. 125%,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3.750%, 15年固定利率稳定在3.125%,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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.250 | 3.500 | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | Jumbo | 4.125 | 3.750 | 4.250 | ------ | 3.375 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | >$417K | 4.250 | 3.875 | 4.250 | ------ | 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 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.882 | 3.098 | 3.527 | 3.064 | 3.053 | 3.294 | | >$417K | 3.990 | 3.125 | 3.750 | 3.250 | 3.375 | 3.500 | APR | 4.035 | 3.206 | 3.783 | 3.225 | 3.403 | 3.520 | | Jumbo | 4.000 | 3.625 | 4.125 | ------ | 3.250 | 3.375 | APR | 4.009 | 3.685 | 4.147 | ------ | 3.291 | 3.408 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.875 | 3.375 | 3.500 | 3.750 | APR | 4.255 | 3.581 | 3.944 | 3.519 | 3.531 | 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.875 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | >$417K | 4.125 | 3.875 | 4.250 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.852 | 3.048 | 3.485 | 2.991 | 3.026 | 3.266 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.984 | 3.750 | 4.112 | ------ | 3.268 | 3.384 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.875 | 3.375 | 3.500 | 3.750 | APR | 4.225 | 3.530 | 3.902 | 3.445 | 3.503 | 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 | 3.950 | 3.250 | 3.625 | 3.250 | 3.375 | 3.625 | >$417K | 4.625 | 4.000 | 4.375 | ------ | 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 | 3.375 | 3.750 | 3.250 | 3.625 | 3.750 | >$417K | 4.750 | 4.000 | 4.375 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.778 | 3.054 | 3.482 | 3.001 | 3.030 | 3.270 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.987 | 3.754 | 4.116 | ------ | 3.270 | 3.387 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.500 | 3.750 | APR | 4.157 | 3.537 | 3.898 | 3.455 | 3.507 | 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | >$417K | 4.750 | 4.125 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.875 | 3.625 | 4.000 | 4.125 | >$417K | 4.750 | 4.125 | 4.375 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.786 | 3.063 | 3.537 | 2.992 | 3.054 | 3.295 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.982 | 3.747 | 4.116 | ------ | 3.266 | 3.383 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.500 | 3.750 | APR | 4.161 | 3.545 | 3.929 | 3.467 | 3.547 | 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 | 4.125 | 3.500 | 3.875 | 3.375 | 4.000 | 4.125 | >$417K | 5.000 | 4.375 | 4.625 | ------ | 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 | 3.625 | 4.125 | 3.500 | 4.375 | 4.375 | >$417K | 5.000 | 4.375 | 4.625 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.794 | 3.078 | 3.536 | 3.015 | 3.052 | 3.293 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.987 | 3.755 | 4.116 | ------ | 3.271 | 3.387 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.375 | 3.500 | 3.750 | APR | 4.170 | 3.561 | 3.986 | 3.490 | 3.548 | 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 |