SUMMARY:今天(1月2日星期四),股市行情上涨,美10年期国债收益率先跌后涨,整体下跌,目前1.883%。房贷利率和前天相比变差。目前重新贷款40万左右的利率,30年为3.625%,15年为3.000%,购房贷款40万左右,30年固定的利率上涨为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 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 |
>$484K | 3.750 | 3.250 | ------ | ------ | 4.000 | ------ |
Jumbo | 4.000 | 4.125 | ------ | ------ | 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 | 3.875 | 4.000 |
>$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 | 3.000 | 3.250 | 3.375 |
APR | 3.424 | 2.998 | 3.416 | 2.971 | 3.289 | 3.404 |
>$484K | 3.625 | 3.125 | ------ | ------ | 3.625 | ------ |
APR | 3.648 | 3.201 | ------ | ------ | 3.668 | ------ |
Jumbo | 3.750 | 3.875 | ------ | ------ | 4.000 | 4.250 |
APR | 3.787 | 3.905 | ------ | ------ | 4.027 | 4.288 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.750 | 3.750 | 3.625 | ------ | ------ |
APR | 3.915 | 3.785 | 3.820 | 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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.625 |
>$484K | 4.000 | 4.125 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | 3.750 | 3.875 |
>$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 | 3.000 | 3.250 | 3.375 |
APR | 3.397 | 2.951 | 3.378 | 2.902 | 3.262 | 3.377 |
>$484K | 3.750 | 3.875 | ------ | ------ | 4.000 | 4.250 |
APR | 3.766 | 3.867 | ------ | ------ | 4.006 | 4.266 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.750 | 3.750 | 3.625 | ------ | ------ |
APR | 3.888 | 3.736 | 3.782 | 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 | 3.125 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 4.125 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.375 | 3.750 | 3.250 | ------ | ------ |
>$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 | 3.000 | 3.250 | 3.375 |
APR | 3.391 | 2.956 | 3.383 | 2.910 | 3.265 | 3.381 |
>$484K | 3.750 | 3.875 | ------ | ------ | 4.000 | 4.250 |
APR | 3.768 | 3.871 | ------ | ------ | 4.008 | 4.269 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.750 | 3.750 | 3.625 | ------ | ------ |
APR | 3.881 | 3.742 | 3.786 | 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 | 3.625 | 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 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.400 | 2.973 | 3.396 | 2.934 | 3.295 | 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 | 3.750 | 3.500 | 3.750 | 3.375 | ------ | ------ |
APR | 3.796 | 3.600 | 3.800 | 3.520 | ------ | ------ |
******************************* 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 | 3.500 | 3.000 | 3.375 | 3.500 |
>$484K | 4.000 | 4.000 | ------ | ------ | 4.375 | ------ |
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 | 3.000 | 3.250 | 3.375 |
APR | 3.383 | 2.942 | 3.372 | 2.890 | 3.258 | 3.373 |
>$484K | 3.875 | 3.875 | ------ | ------ | 4.000 | 4.375 |
APR | 3.878 | 3.880 | ------ | ------ | 4.013 | 4.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.750 | 3.750 | 3.625 | ------ | ------ |
APR | 3.873 | 3.727 | 3.775 | 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 | 3.750 | 3.500 | 3.750 | 3.375 | ------ | ------ |
>$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 | 3.875 | 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 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.408 | 2.988 | 3.408 | 2.957 | 3.293 | 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 | 3.750 | 3.625 | 3.750 | 3.500 | ------ | ------ |
APR | 3.805 | 3.723 | 3.812 | 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 | 3.250 | ------ | ------ |
>$484K | 4.250 | 4.500 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.750 | 3.750 | 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 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.423 | 3.013 | 3.428 | 2.993 | 3.307 | 3.423 |
>$484K | 3.750 | 3.875 | ------ | ------ | 4.000 | 4.250 |
APR | 3.778 | 3.888 | ------ | ------ | 4.018 | 4.278 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.750 | 3.625 | 3.750 | 3.500 | ------ | ------ |
APR | 3.819 | 3.749 | 3.832 | 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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.625 |
>$484K | 4.000 | 4.125 | ------ | ------ | 4.375 | ------ |
Jumbo | 4.000 | 4.125 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | 3.750 | 3.875 |
>$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 | 3.000 | 3.250 | 3.375 |
APR | 3.397 | 2.950 | 3.378 | 2.901 | 3.262 | 3.377 |
>$484K | 3.750 | 3.875 | ------ | ------ | 4.000 | 4.250 |
APR | 3.766 | 3.866 | ------ | ------ | 4.005 | 4.266 |
Jumbo | 3.750 | 3.875 | ------ | ------ | 4.000 | 4.250 |
APR | 3.760 | 3.856 | ------ | ------ | 4.000 | 4.260 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.750 | 3.750 | 3.625 | ------ | ------ |
APR | 3.887 | 3.735 | 3.781 | 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