SUMMARY:今天(9月18日星期一)的房贷利率和上周五相比略微上涨。 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 $424K, High-Balance Loan $636K, 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 | <=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 | >$424K | 4.000 | 3.250 | 3.875 | ------ | 3.500 | 3.750 | Jumbo | 3.875 | 3.625 | 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 | <=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.625 | 3.875 | >$424K | 4.375 | 3.875 | 4.250 | ------ | 3.500 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.754 | 3.026 | 3.555 | 2.991 | 3.043 | 3.294 | | >$424K | 3.800 | 3.125 | 3.800 | ------ | 3.375 | 3.500 | APR | 3.849 | 3.198 | 3.869 | ------ | 3.402 | 3.535 | | Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.781 | 3.431 | 4.151 | ------ | 3.269 | 3.288 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 | APR | 4.140 | 3.544 | 3.939 | 3.564 | 3.411 | 3.662 | | ******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | <=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 | >$424K | 4.000 | 3.750 | 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 | <=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.750 | >$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.726 | 3.030 | 3.499 | 2.918 | 3.016 | 3.266 | | >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.769 | 3.494 | 4.117 | ------ | 3.266 | 3.381 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 | APR | 4.111 | 3.494 | 3.899 | 3.491 | 3.384 | 3.634 | | ******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | <=$424K | 3.875 | 3.250 | 3.625 | 3.125 | 3.625 | 3.750 | >$424K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.950 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 | >$424K | 4.125 | 4.000 | 4.375 | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.656 | 3.037 | 3.504 | 2.928 | 3.020 | 3.270 | | >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.771 | 3.499 | 4.121 | ------ | 3.269 | 3.383 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 | APR | 4.104 | 3.500 | 3.904 | 3.501 | 3.387 | 3.637 | | ******************************* 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 | <=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 4.125 | 3.990 | >$424K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.625 | 3.875 | 3.625 | ------ | 4.375 | >$424K | 4.125 | 4.000 | 4.375 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.660 | 2.955 | 3.535 | 2.940 | 3.044 | 3.295 | | >$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.861 | 3.496 | 4.122 | ------ | 3.267 | 3.381 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.047 | 3.457 | 3.911 | 3.493 | 3.432 | 3.683 | | ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo 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 | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.375 | >$424K | 4.250 | 4.125 | 4.750 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ | >$424K | 4.375 | 4.375 | 4.750 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.669 | 2.971 | 3.539 | 2.962 | 3.043 | 3.293 | | >$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.863 | 3.500 | 4.122 | ------ | 3.269 | 3.384 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.056 | 3.472 | 3.923 | 3.516 | 3.432 | 3.683 | | ******************************* GEORGIA ******************************* (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 | <=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 4.125 | 4.125 | >$424K | 4.125 | 3.875 | 4.500 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.500 | >$424K | 4.250 | 4.000 | 4.500 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.683 | 2.996 | 3.559 | 2.999 | 3.056 | 3.307 | | >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.778 | 3.510 | 4.130 | ------ | 3.275 | 3.389 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.070 | 3.498 | 3.943 | 3.553 | 3.447 | 3.698 | | ******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, 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 | <=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 | >$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | Jumbo | 3.875 | 3.625 | 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 | <=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.750 | >$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.735 | 3.029 | 3.504 | 2.917 | 3.016 | 3.266 | | >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.768 | 3.494 | 4.117 | ------ | 3.266 | 3.380 | | Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.751 | 3.378 | 4.109 | ------ | 3.241 | 3.259 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 | APR | 4.110 | 3.493 | 3.903 | 3.489 | 3.383 | 3.633 | 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. For scenarios outside the above assumptions, please contact local loan officers for case inquiry. 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 |