SUMMARY:今天(08月02日 星期三)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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.375 | >$417K | 3.990 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 | Jumbo | 4.000 | 3.625 | 4.375 | ------ | 3.500 | 3.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 | >$417K | 4.125 | 3.750 | 4.125 | ------ | 3.625 | 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 | 3.000 | 3.125 | APR | 3.785 | 3.089 | 3.536 | 2.965 | 3.043 | 3.179 | | >$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.375 | APR | 3.900 | 3.173 | 3.768 | 3.109 | 3.271 | 3.403 | | Jumbo | 3.875 | 3.375 | 4.250 | ------ | 3.250 | 3.375 | APR | 3.901 | 3.445 | 4.276 | ------ | 3.278 | 3.379 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.500 | 3.500 | 3.750 | APR | 4.161 | 3.563 | 4.023 | 3.564 | 3.537 | 3.787 | | ******************************* 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 | 3.625 | 3.000 | 3.250 | 3.375 | >$417K | 4.000 | 3.750 | 4.375 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 | >$417K | 4.000 | 3.750 | 4.375 | ------ | 3.500 | 3.500 | | 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 | 3.125 | APR | 3.757 | 3.021 | 3.496 | 2.892 | 3.016 | 3.151 | | >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 | APR | 3.877 | 3.507 | 4.242 | ------ | 3.265 | 3.356 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.500 | 3.500 | 3.750 | APR | 4.132 | 3.512 | 3.980 | 3.491 | 3.509 | 3.759 | | ******************************* 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 | 3.500 | >$417K | 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 | 4.000 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 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 | 2.750 | 3.000 | 3.125 | APR | 3.750 | 3.028 | 3.487 | 2.830 | 3.020 | 3.155 | | >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 | APR | 3.880 | 3.512 | 4.246 | ------ | 3.268 | 3.359 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.500 | 3.500 | 3.750 | APR | 4.125 | 3.519 | 3.977 | 3.501 | 3.512 | 3.763 | | ******************************* 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 | 3.125 | 3.500 | 3.875 | >$417K | 4.250 | 3.875 | 4.500 | ------ | 3.625 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.950 | 3.625 | ------ | 4.250 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.681 | 2.973 | 3.542 | 2.893 | 3.035 | 3.179 | | >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 | APR | 3.876 | 3.508 | 4.247 | ------ | 3.264 | 3.355 | | 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 | 3.500 | 3.750 | APR | 4.130 | 3.475 | 3.939 | 3.493 | 3.557 | 3.808 | | ******************************* 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 | 3.375 | ------ | 4.125 | >$417K | 4.375 | 4.500 | 4.875 | ------ | 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 | 3.625 | 4.000 | 3.500 | ------ | ------ | >$417K | 4.375 | 4.500 | 4.875 | ------ | 3.875 | 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 | 3.125 | APR | 3.764 | 3.024 | 3.550 | 2.936 | 3.043 | 3.178 | | >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 | APR | 3.880 | 3.513 | 4.247 | ------ | 3.268 | 3.359 | | 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 | 4.139 | 3.543 | 3.952 | 3.516 | 3.558 | 3.809 | 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 |