SUMMARY:今天(10月11日星期四)开盘时的房贷利率价格和上个工作日相比略有下降.
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) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.625 | 3.125 | 3.125 | 3.375 |
>$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.625 | 3.625 |
Jumbo | 4.000 | 3.625 | ------ | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 3.750 | 3.750 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.000 | 3.125 |
APR | 3.775 | 3.080 | 3.631 | 3.064 | 3.034 | 3.179 |
>$424K | 3.990 | 3.250 | 3.750 | 3.250 | 3.375 | 3.500 |
APR | 4.034 | 3.271 | 3.745 | 3.238 | 3.421 | 3.525 |
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.793 | 3.542 | ------ | ------ | 3.400 | 3.411 |
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 | 4.375 | 4.375 |
APR | 4.161 | 3.581 | 3.953 | 3.617 | 4.422 | 4.431 |
******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.625 | 3.125 | 3.125 | 3.375 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.990 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
>$424K | 4.125 | 3.875 | ------ | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.000 | 3.125 |
APR | 3.746 | 3.030 | 3.592 | 2.991 | 3.006 | 3.151 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.769 | 3.515 | ------ | ------ | 3.382 | 3.387 |
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 | 4.250 | 4.375 |
APR | 4.132 | 3.530 | 3.913 | 3.544 | 4.280 | 4.396 |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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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 | 3.375 | 3.625 |
>$424K | 4.125 | 3.875 | ------ | ------ | ------ | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 4.000 |
>$424K | 4.250 | 4.125 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.000 | 3.125 |
APR | 3.740 | 3.036 | 3.597 | 3.001 | 3.010 | 3.155 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.771 | 3.520 | ------ | ------ | 3.385 | 3.390 |
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 | 4.250 | 4.375 |
APR | 4.125 | 3.537 | 3.918 | 3.553 | 4.284 | 4.400 |
******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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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 | 3.750 | 3.875 |
>$424K | 4.125 | 4.000 | ------ | ------ | ------ | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$424K | 4.250 | 4.125 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.681 | 3.045 | 3.563 | 2.992 | 3.034 | 3.179 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.375 | 3.375 |
APR | 3.879 | 3.608 | ------ | ------ | 3.381 | 3.386 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | 4.250 | 4.375 |
APR | 4.057 | 3.545 | 3.925 | 3.566 | 4.295 | 4.411 |
******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | ------ | ------ |
>$424K | 4.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$424K | 4.375 | ------ | ------ | ------ | ------ | ------ |
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 | 3.125 |
APR | 3.753 | 3.060 | 3.576 | 3.015 | 3.033 | 3.178 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.375 | 3.375 |
APR | 3.882 | 3.612 | ------ | ------ | 3.385 | 3.391 |
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 | 4.375 | 4.375 |
APR | 4.139 | 3.561 | 3.937 | 3.588 | 4.423 | 4.431 |
******************************* GEORGIA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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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 | 4.000 | 4.000 |
>$424K | 4.125 | 3.875 | ------ | ------ | ------ | 4.125 |
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 | 4.375 | 4.375 |
>$424K | 4.250 | 4.125 | ------ | ------ | ------ | ------ |
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 | 3.125 |
APR | 3.768 | 3.085 | 3.596 | 3.052 | 3.047 | 3.192 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.778 | 3.531 | ------ | ------ | 3.391 | 3.396 |
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 | 4.250 | 4.375 |
APR | 4.154 | 3.587 | 3.958 | 3.626 | 4.325 | 4.441 |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.625 | 3.125 | 3.125 | 3.375 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.625 |
Jumbo | 4.000 | 3.625 | ------ | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.990 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
>$424K | 4.125 | 3.875 | ------ | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.000 | 3.125 |
APR | 3.746 | 3.029 | 3.591 | 2.990 | 3.006 | 3.151 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.768 | 3.515 | ------ | ------ | 3.382 | 3.387 |
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.763 | 3.490 | ------ | ------ | 3.259 | 3.362 |
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 | 4.250 | 4.250 |
APR | 4.131 | 3.529 | 3.912 | 3.542 | 4.276 | 4.278 |
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