SUMMARY:今天(11月10日 星期四)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率,30年固定利率上升至3.750%,15年固定利率上升至
2.875%,5/1 ARM上升至3.125%。购房贷款40万左右,30年固定的利率上升至3.625%,
15年固定利率上升至2.750%,5/1 ARM上升至2.875%.
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 | 3.750 | 2.875 | 3.500 | 2.875 | 3.125 | 3.500 |
>$417K | 4.000 | 3.125 | 3.875 | 3.250 | 3.500 | 3.500 |
Jumbo | 4.000 | 3.375 | ------ | ------ | 3.250 | 3.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.375 | 3.750 |
>$417K | 4.250 | 3.625 | 3.875 | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.750 | 3.500 | 2.750 | 2.875 | 3.250 |
APR | 3.636 | 2.829 | 3.501 | 2.829 | 2.916 | 3.281 |
>$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.125 | 3.250 |
APR | 3.909 | 3.069 | 3.775 | 3.109 | 3.165 | 3.291 |
Jumbo | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
APR | 3.790 | 3.186 | ------ | ------ | 3.041 | 3.159 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.875 | 4.125 |
APR | 4.046 | 3.335 | 3.895 | 3.367 | 3.923 | 4.176 |
******************************* 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.125 | 3.500 |
>$417K | 4.000 | 4.125 | ------ | ------ | 3.250 | 3.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.375 | 3.750 |
>$417K | 4.125 | ------ | ------ | ------ | 3.375 | 3.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.750 | 3.500 | 2.750 | 2.875 | 3.125 |
APR | 3.607 | 2.772 | 3.454 | 2.757 | 2.884 | 3.150 |
>$417K | 3.875 | 3.250 | ------ | ------ | 3.125 | 3.250 |
APR | 3.871 | 3.260 | ------ | ------ | 3.118 | 3.244 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.750 | 3.990 |
APR | 4.017 | 3.267 | 3.787 | 3.293 | 3.776 | 4.014 |
******************************* 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 | 3.750 | 3.000 | 3.625 | 3.000 | 3.250 | 3.500 |
>$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.500 | 3.875 |
>$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.750 | 3.500 | 2.750 | 2.875 | 3.125 |
APR | 3.611 | 2.779 | 3.459 | 2.766 | 2.888 | 3.153 |
>$417K | 3.875 | 3.250 | ------ | ------ | 3.125 | 3.250 |
APR | 3.874 | 3.265 | ------ | ------ | 3.121 | 3.247 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.750 | 3.990 |
APR | 4.011 | 3.273 | 3.792 | 3.303 | 3.780 | 4.017 |
******************************* 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 | 3.875 | 3.125 | 3.625 | 3.125 | 3.375 | 3.750 |
>$417K | 4.125 | ------ | ------ | ------ | ------ | 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 | 3.750 | 3.250 | ------ | 4.250 |
>$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.750 | 3.500 | 2.750 | 2.875 | 3.250 |
APR | 3.620 | 2.794 | 3.497 | 2.815 | 2.896 | 3.274 |
>$417K | 3.875 | 3.250 | ------ | ------ | 3.125 | 3.250 |
APR | 3.872 | 3.261 | ------ | ------ | 3.117 | 3.243 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.875 | 4.125 |
APR | 4.015 | 3.295 | 3.885 | 3.315 | 3.902 | 4.169 |
******************************* 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 | 4.000 | 3.250 | 3.750 | 3.250 | ------ | 4.250 |
>$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 3.990 | 3.375 | ------ | ------ |
>$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.750 | 3.375 | 2.750 | 2.875 | 3.250 |
APR | 3.611 | 2.810 | 3.426 | 2.766 | 2.915 | 3.286 |
>$417K | 3.875 | 3.250 | ------ | ------ | 3.125 | 3.250 |
APR | 3.874 | 3.266 | ------ | ------ | 3.121 | 3.247 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.875 | 4.125 |
APR | 4.024 | 3.311 | 3.816 | 3.338 | 3.922 | 4.181 |
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