SUMMARY:今天(05月08日 星期一)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3.250%。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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 | >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 | Jumbo | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.250 | 4.000 | 4.375 | ------ | 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 | 3.000 | 3.250 | APR | 3.921 | 3.205 | 3.659 | 3.116 | 3.053 | 3.294 | | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | APR | 4.127 | 3.275 | 3.904 | 3.239 | 3.528 | 3.641 | | Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.022 | 3.553 | 4.272 | ------ | 3.413 | 3.525 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.286 | 3.688 | 4.131 | 3.591 | 3.782 | 3.907 | | ******************************* 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 | 3.750 | 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 | 3.875 | 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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.892 | 3.155 | 3.617 | 3.043 | 3.026 | 3.266 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.018 | 3.612 | 4.237 | ------ | 3.389 | 3.503 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.000 | 3.500 | 3.750 | 3.875 | APR | 4.257 | 3.637 | 4.032 | 3.517 | 3.753 | 3.878 | | ******************************* 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 | 3.500 | 3.750 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 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 | 3.500 | 3.875 | 3.375 | 3.750 | 4.000 | >$417K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.875 | | 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 | 3.000 | 3.250 | APR | 3.886 | 3.161 | 3.613 | 3.053 | 3.030 | 3.270 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.020 | 3.616 | 4.241 | ------ | 3.391 | 3.506 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.000 | 3.500 | 3.750 | 3.875 | APR | 4.250 | 3.644 | 4.029 | 3.527 | 3.757 | 3.882 | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 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 | 3.950 | 3.750 | ------ | 4.750 | >$417K | 4.375 | 4.125 | 4.500 | ------ | 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 | 3.099 | 3.644 | 3.065 | 3.054 | 3.295 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.018 | 3.613 | 4.241 | ------ | 3.387 | 3.502 | | 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 | 3.875 | APR | 4.182 | 3.582 | 4.060 | 3.520 | 3.798 | 3.923 | | ******************************* 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 | ------ | ------ | >$417K | 4.500 | 4.500 | 4.750 | ------ | 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 | 3.750 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.500 | 4.500 | 4.750 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.899 | 3.185 | 3.668 | 3.088 | 3.052 | 3.293 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.021 | 3.617 | 4.241 | ------ | 3.392 | 3.506 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 | APR | 4.264 | 3.598 | 4.077 | 3.562 | 3.798 | 3.924 | 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 |