今日房贷利率(CA、MD、VA) | ||||||
SUMMARY:今天(12月15日星期四)的利率价格和昨天相比基本持平。目前重新贷款40万左右30年固定的利率仍保持在历史新低3.75%,15 年固定仍为3.25%,5/1 ARM仍为2.75%。购房贷款40万左右,30年固定的利率仍为3.625%。15年固定仍为3.25%,5/1 ARM仍为2.5%。 | ||||||
********************* CALIFORNIA ********************* | ||||||
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.250 | 3.750 | 3.250 | 2.750 | 3.125 |
>$417K | 3.875 | 3.375 | 3.000 | |||
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.250 | 3.750 | 3.250 | 2.875 | 3.250 |
>$417K | ||||||
PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 3.250 | 3.625 | 3.125 | 2.500 | 2.875 |
APR: | 3.728 | 3.434 | 3.770 | 3.392 | 2.597 | 2.974 |
>$417K | 3.750 | 3.250 | 2.750 | |||
APR: | 3.835 | 3.401 | 2.830 | |||
INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.375 | 3.875 | 3.375 | ||
APR: | 4.106 | 3.560 | 4.021 | 3.643 | ||
********************** MARYLAND ********************** | ||||||
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.250 | 3.750 | 3.250 | 2.750 | 3.125 |
>$417K | 3.875 | 3.375 | 3.000 | |||
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.250 | 3.750 | 3.250 | 2.875 | 3.250 |
>$417K | ||||||
PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.250 | 3.625 | 3.125 | 2.500 | 2.875 |
APR: | 3.854 | 3.434 | 3.770 | 3.392 | 2.597 | 2.974 |
>$417K | 3.875 | 3.250 | 2.750 | |||
APR: | 3.961 | 3.401 | 2.830 | |||
INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.500 | 3.875 | 3.500 | ||
APR: | 4.106 | 3.686 | 4.021 | 3.769 | ||
********************** VIRGINIA ********************** | ||||||
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.250 | 3.750 | 3.250 | 2.875 | 3.250 |
>$417K | 3.875 | 3.375 | 3.250 | |||
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.250 | 3.750 | 3.250 | 3.125 | 3.500 |
>$417K | ||||||
PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 3.250 | 3.500 | 3.125 | 2.500 | 2.875 |
APR: | 3.728 | 3.434 | 3.644 | 3.392 | 2.597 | 2.974 |
>$417K | 3.750 | 3.250 | 2.750 | |||
APR: | 3.835 | 3.401 | 2.830 | |||
INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.375 | 3.875 | 3.250 | ||
APR: | 3.980 | 3.560 | 4.021 | 3.518 | ||
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: $380K for Conforming loan, $550K for Super-Conforming loans; 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; - <=65% for Primary Residence Super-Conforming Cash-Out Refinance; - <=75% for Investment Property Conforming Purchase. 3. Primary Residence except specified; 4. Single Family Residence; 5. Credit score>=740; 6. No Impound/Escrow Account. 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。 |