SUMMARY:今天(1月8日星期一)开盘时的房贷利率价格和上个工作日相比基本持平。
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 $453K, 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 | |
<=$453K | 3.950 | 3.375 | 3.750 | 3.375 | 4.125 | 4.000 |
>$453K | 4.125 | 3.625 | 3.990 | ------ | 4.000 | 4.125 |
Jumbo | 4.125 | 4.125 | 4.500 | ------ | 4.000 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.000 | 3.625 | 3.875 | 3.625 | 4.125 | 4.250 |
>$453K | 4.500 | 4.250 | 4.500 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 3.875 | 3.250 | 3.625 | 3.250 | 3.375 | 3.500 |
APR | 3.890 | 3.312 | 3.702 | 3.340 | 3.429 | 3.555 |
>$453K | 3.950 | 3.500 | 3.875 | ------ | 3.875 | 4.000 |
APR | 3.988 | 3.565 | 3.916 | ------ | 3.903 | 4.028 |
Jumbo | 3.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
APR | 3.918 | 3.934 | 4.401 | ------ | 3.668 | 3.668 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.286 | 3.938 | 4.064 | 3.966 | 3.912 | 4.038 |
******************************* MARYLAND ******************************* (Based on Conforming Loan $453K, 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 | |
<=$453K | 3.950 | 3.375 | 3.750 | 3.375 | 3.875 | 3.875 |
>$453K | 4.125 | 4.125 | 4.500 | ------ | 4.000 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.000 | 3.625 | 3.875 | 3.625 | 4.000 | 4.125 |
>$453K | 4.375 | 4.125 | 4.500 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 3.875 | 3.250 | 3.625 | 3.250 | 3.375 | 3.500 |
APR | 3.861 | 3.262 | 3.663 | 3.267 | 3.402 | 3.527 |
>$453K | 3.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
APR | 3.894 | 3.890 | 4.367 | ------ | 3.644 | 3.644 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.257 | 3.887 | 4.024 | 3.892 | 3.884 | 4.009 |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $453K, 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 | |
<=$453K | 4.000 | 3.500 | 3.875 | 3.500 | 4.125 | 4.000 |
>$453K | 4.375 | 4.375 | 4.625 | ------ | 4.125 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.625 | 4.000 | 3.625 | 4.250 | 4.250 |
>$453K | 4.500 | 4.375 | 4.625 | ------ | 4.125 | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 3.875 | 3.250 | 3.625 | 3.250 | 3.375 | 3.500 |
APR | 3.855 | 3.268 | 3.668 | 3.277 | 3.405 | 3.530 |
>$453K | 3.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
APR | 3.896 | 3.895 | 4.371 | ------ | 3.646 | 3.646 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.250 | 3.894 | 4.029 | 3.902 | 3.888 | 4.013 |
******************************* 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 | |
<=$453K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | 5.000 |
>$453K | 4.500 | 4.375 | 4.625 | ------ | 4.125 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.375 | 4.125 | 4.250 | 4.375 | ------ | 5.000 |
>$453K | 4.500 | 4.375 | 4.625 | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 3.750 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.796 | 3.277 | 3.674 | 3.243 | 3.430 | 3.555 |
>$453K | 4.250 | 4.000 | 4.375 | ------ | 3.875 | 4.000 |
APR | 4.239 | 4.033 | 4.372 | ------ | 3.878 | 4.003 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.750 | 4.000 | 3.750 | 3.875 | 4.000 |
APR | 4.172 | 3.832 | 4.036 | 3.869 | 3.933 | 4.059 |
******************************* 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 | |
<=$453K | 4.125 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$453K | 5.250 | 4.625 | 5.000 | ------ | 4.750 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 4.000 | 4.125 | 4.000 | ------ | ------ |
>$453K | 5.250 | 4.625 | 5.000 | ------ | 4.750 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 3.750 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.805 | 3.292 | 3.687 | 3.266 | 3.429 | 3.554 |
>$453K | 4.250 | 4.000 | 4.375 | ------ | 3.875 | 4.000 |
APR | 4.242 | 4.033 | 4.372 | ------ | 3.878 | 4.003 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.750 | 4.000 | 3.750 | 3.875 | 4.000 |
APR | 4.181 | 3.848 | 4.048 | 3.892 | 3.934 | 4.060 |
******************************* 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 | |
<=$453K | 4.125 | 3.625 | 3.875 | 3.625 | ------ | 5.000 |
>$453K | 4.500 | 4.375 | 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 | |
<=$453K | 4.250 | 3.875 | 4.000 | 3.875 | ------ | 5.000 |
>$453K | 5.000 | 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 | |
<=$453K | 3.750 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.819 | 3.318 | 3.707 | 3.303 | 3.443 | 3.568 |
>$453K | 3.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
APR | 3.903 | 3.906 | 4.380 | ------ | 3.652 | 3.652 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.750 | 4.000 | 3.750 | 3.875 | 4.000 |
APR | 4.196 | 3.874 | 4.068 | 3.930 | 3.949 | 4.074 |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $453K, 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 | |
<=$453K | 3.950 | 3.375 | 3.750 | 3.375 | 4.000 | 4.125 |
>$453K | 4.125 | 4.125 | 4.500 | ------ | 4.000 | 4.000 |
Jumbo | 4.125 | 4.125 | 4.500 | ------ | 4.000 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.000 | 3.625 | 3.875 | 3.625 | 4.000 | 4.125 |
>$453K | 4.375 | 4.125 | 4.500 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 3.875 | 3.250 | 3.625 | 3.250 | 3.375 | 3.500 |
APR | 3.871 | 3.261 | 3.664 | 3.266 | 3.401 | 3.526 |
>$453K | 3.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
APR | 3.893 | 3.890 | 4.367 | ------ | 3.643 | 3.643 |
Jumbo | 3.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
APR | 3.889 | 3.881 | 4.359 | ------ | 3.638 | 3.638 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.276 | 3.886 | 4.023 | 3.891 | 3.883 | 4.008 |
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