SUMMARY:今天(12月6日星期五),股市行情继续上涨至3150.21,美10年期国债收益率于今早八点突然大幅上涨,目前1.842%,房贷利率和昨天相比基本不变。目前重新贷款40万左右的利率,30年为3.75%,15年为3.25%,购房贷款40万左右,30年固定的利率为3.625%,15年为3.00%。
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 | 3.750 | 3.250 | 3.625 | 3.250 | 3.500 | 3.625 |
>$484K | 3.750 | 3.375 | ------ | ------ | 4.000 | ------ |
Jumbo | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
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 | 3.875 | 4.125 |
>$484K | 4.375 | 3.875 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.644 | 3.070 | 3.623 | 3.076 | 3.299 | 3.404 |
>$484K | 3.750 | 3.250 | ------ | ------ | 3.750 | ------ |
APR | 3.752 | 3.327 | ------ | ------ | 3.793 | ------ |
Jumbo | 3.875 | 3.750 | ------ | ------ | 4.125 | 4.375 |
APR | 3.912 | 3.817 | ------ | ------ | 4.163 | 4.403 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.270 | 3.785 | 4.196 | 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 | 3.750 | 3.250 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
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 | 3.875 | 4.125 |
>$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 | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.617 | 3.022 | 3.586 | 3.006 | 3.272 | 3.377 |
>$484K | 3.875 | 3.750 | ------ | ------ | 4.125 | 4.375 |
APR | 3.891 | 3.778 | ------ | ------ | 4.141 | 4.381 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.242 | 3.736 | 4.157 | 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 | 3.750 | 3.250 | 3.750 | 3.250 | 3.625 | 3.875 |
>$484K | 4.250 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.500 | 3.750 | 3.500 | ------ | ------ |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.610 | 3.028 | 3.590 | 3.014 | 3.275 | 3.381 |
>$484K | 3.875 | 3.750 | ------ | ------ | 4.125 | 4.375 |
APR | 3.893 | 3.782 | ------ | ------ | 4.143 | 4.383 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.235 | 3.742 | 4.162 | 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 | 3.375 | 3.750 | 3.375 | ------ | ------ |
>$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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.555 | 3.045 | 3.563 | 3.039 | 3.305 | 3.410 |
>$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 | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
APR | 4.057 | 3.707 | 3.954 | 3.717 | ------ | ------ |
******************************* 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 | 3.625 | 3.125 | 3.625 | 3.125 | 3.375 | 3.500 |
>$484K | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
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 | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.602 | 3.014 | 3.579 | 2.994 | 3.268 | 3.373 |
>$484K | 4.000 | 3.875 | ------ | ------ | 4.250 | 4.375 |
APR | 3.992 | 3.843 | ------ | ------ | 4.263 | 4.388 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.227 | 3.727 | 4.151 | 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 | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.628 | 3.060 | 3.576 | 3.061 | 3.303 | 3.408 |
>$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 | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.181 | 3.723 | 4.077 | 3.740 | ------ | ------ |
******************************* 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 | 3.500 | 3.750 | 3.500 | ------ | ------ |
>$484K | 4.375 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.750 | 4.125 | 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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.643 | 3.085 | 3.596 | 3.098 | 3.317 | 3.423 |
>$484K | 3.875 | 3.750 | ------ | ------ | 4.125 | 4.375 |
APR | 3.903 | 3.800 | ------ | ------ | 4.153 | 4.393 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.196 | 3.749 | 4.097 | 3.778 | ------ | ------ |
******************************* 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 | 3.750 | 3.250 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
Jumbo | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
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 | 3.875 | 4.125 |
>$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 | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.617 | 3.021 | 3.585 | 3.005 | 3.272 | 3.377 |
>$484K | 3.875 | 3.750 | ------ | ------ | 4.125 | 4.375 |
APR | 3.891 | 3.778 | ------ | ------ | 4.141 | 4.381 |
Jumbo | 3.875 | 3.750 | ------ | ------ | 4.125 | 4.375 |
APR | 3.885 | 3.768 | ------ | ------ | 4.135 | 4.375 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.242 | 3.735 | 4.157 | 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