SUMMARY:今天(10月9日星期三),股市行情和美10年期国债收益率均出现上涨。房贷利率价格和昨天基本保持不变。目前重新贷款40万左右的利率,30年固定为3.625%,15年为3.125%,购房贷款40万左右,30年固定的利率为3.375%,15年为3.000%。
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 $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | |
<=$484K | 3.625 | 3.125 | 3.500 | 3.000 | 3.375 | 3.375 |
>$484K | 3.750 | 3.250 | ------ | ------ | 3.750 | ------ |
Jumbo | 4.250 | 3.875 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.250 | 3.625 | 3.250 | 3.625 | 3.625 |
>$484K | 4.250 | 3.875 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 3.000 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.414 | 3.016 | 3.402 | 3.003 | 3.048 | 3.163 |
>$484K | 3.625 | 3.250 | ------ | ------ | 3.500 | ------ |
APR | 3.658 | 3.272 | ------ | ------ | 3.543 | ------ |
Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.027 | 3.780 | ------ | ------ | 3.912 | 4.153 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 4.030 | 3.785 | 3.945 | 3.755 | ------ | ------ |
******************************* MARYLAND ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.375 |
>$484K | 4.250 | 3.875 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.250 | 3.625 | 3.250 | 3.625 | 3.500 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 3.000 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.387 | 2.968 | 3.364 | 2.934 | 3.022 | 3.137 |
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.006 | 3.742 | ------ | ------ | 3.891 | 4.131 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 4.002 | 3.736 | 3.907 | 3.684 | ------ | ------ |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | |
<=$484K | 3.625 | 3.250 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 3.000 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.381 | 2.974 | 3.369 | 2.942 | 3.025 | 3.140 |
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.008 | 3.746 | ------ | ------ | 3.893 | 4.133 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 3.995 | 3.742 | 3.912 | 3.693 | ------ | ------ |
******************************* 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 | |
<=$484K | 3.750 | 3.250 | 3.625 | 3.250 | ------ | ------ |
>$484K | 4.875 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 2.875 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.390 | 2.955 | 3.382 | 2.966 | 3.054 | 3.169 |
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.145 | 3.846 | ------ | ------ | 3.890 | 4.260 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.500 | 3.875 | 3.500 | ------ | ------ |
APR | 3.921 | 3.600 | 3.925 | 3.619 | ------ | ------ |
******************************* ILLINOIS ******************************* (Based on Conforming Loan $450K, Jumbo Loan $562K. 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 | |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
>$484K | 4.250 | 3.875 | ------ | ------ | 4.250 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | ------ | ------ | ------ | ------ | ------ | ------ |
>$484K | ------ | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 3.000 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.373 | 2.960 | 3.358 | 2.921 | 3.017 | 3.133 |
>$484K | 4.000 | 3.750 | ------ | ------ | 4.000 | 4.125 |
APR | 4.013 | 3.755 | ------ | ------ | 4.003 | 4.138 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 3.987 | 3.727 | 3.900 | 3.672 | ------ | ------ |
******************************* 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 | |
<=$484K | 3.875 | 3.500 | 3.875 | 3.500 | ------ | ------ |
>$484K | 5.125 | 4.500 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 2.875 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.398 | 2.971 | 3.394 | 2.989 | 3.052 | 3.168 |
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.148 | 3.851 | ------ | ------ | 3.893 | 4.263 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.625 | 3.875 | 3.500 | ------ | ------ |
APR | 3.930 | 3.723 | 3.937 | 3.642 | ------ | ------ |
******************************* 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 | |
<=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ |
>$484K | 4.625 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 2.875 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.412 | 2.996 | 3.414 | 3.025 | 3.066 | 3.182 |
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.018 | 3.763 | ------ | ------ | 3.903 | 4.143 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.625 | 3.875 | 3.500 | ------ | ------ |
APR | 3.945 | 3.749 | 3.958 | 3.679 | ------ | ------ |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.375 |
>$484K | 4.250 | 3.875 | ------ | ------ | 4.375 | ------ |
Jumbo | 4.250 | 3.875 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.250 | 3.625 | 3.250 | 3.625 | 3.500 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.375 | 3.000 | 3.375 | 2.875 | 3.000 | 3.125 |
APR | 3.387 | 2.968 | 3.364 | 2.932 | 3.021 | 3.137 |
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.005 | 3.741 | ------ | ------ | 3.891 | 4.130 |
Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.000 | 3.731 | ------ | ------ | 3.885 | 4.125 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 4.002 | 3.735 | 3.906 | 3.683 | ------ | ------ |
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