SUMMARY:今天(05月30日 星期二)开盘时的房贷利率价格和上个工作日相比略微上涨 。目前重新贷款40万左右的利率,30年固定利率稳定在3.875%,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2.990%,5/1 ARM下降到2.990%.
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 | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.500 | >$417K | 4.050 | 3.250 | 3.875 | 3.250 | 3.625 | 3.625 | Jumbo | 4.000 | 3.500 | 4.250 | ------ | 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 | 3.500 | 3.250 | 3.500 | 3.750 | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 2.990 | 3.250 | APR | 3.795 | 3.078 | 3.517 | 2.991 | 3.044 | 3.278 | | >$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.375 | APR | 3.903 | 3.178 | 3.777 | 3.087 | 3.293 | 3.419 | | Jumbo | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.907 | 3.421 | 4.147 | ------ | 3.292 | 3.398 | | 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 | 3.625 | 3.750 | APR | 4.171 | 3.544 | 3.933 | 3.466 | 3.657 | 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 | 3.125 | 3.500 | 3.000 | 3.250 | 3.500 | >$417K | 4.000 | 3.625 | 4.250 | ------ | 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 | 3.750 | 3.250 | 3.500 | 3.625 | >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 2.990 | 3.125 | APR | 3.767 | 3.010 | 3.475 | 2.918 | 3.007 | 3.147 | | >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | APR | 3.883 | 3.477 | 4.112 | ------ | 3.370 | 3.488 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.375 | 3.375 | 3.625 | 3.750 | APR | 4.142 | 3.494 | 3.388 | 3.392 | 3.628 | 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.375 | 3.625 | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 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 | 2.990 | 3.500 | 2.875 | 2.990 | 3.125 | APR | 3.760 | 3.016 | 3.472 | 2.928 | 3.010 | 3.151 | | >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | APR | 3.886 | 3.482 | 4.116 | ------ | 3.373 | 3.491 | | 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 | 3.625 | 3.750 | APR | 4.136 | 3.500 | 3.887 | 3.402 | 3.632 | 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 | 3.500 | 3.750 | >$417K | 4.125 | 3.750 | 4.375 | ------ | 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 | 3.500 | 3.875 | 3.500 | 4.125 | 3.990 | >$417K | 4.250 | 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 | 2.875 | 3.500 | 2.875 | 2.990 | 3.250 | APR | 3.765 | 2.973 | 3.502 | 2.940 | 3.037 | 3.271 | | >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | APR | 3.882 | 3.478 | 4.116 | ------ | 3.368 | 3.487 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | APR | 4.140 | 3.457 | 3.918 | 3.395 | 3.672 | 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 | 3.375 | 3.875 | 3.250 | 4.125 | 4.125 | >$417K | 4.375 | 4.125 | 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 | 4.250 | 3.500 | 4.000 | 3.500 | ------ | 4.500 | >$417K | 4.375 | 4.375 | 4.625 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.774 | 3.087 | 3.526 | 2.962 | 3.051 | 3.284 | | >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | APR | 3.886 | 3.482 | 4.116 | ------ | 3.373 | 3.491 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.149 | 3.472 | 3.942 | 3.437 | 3.673 | 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 |