SUMMARY:今天(01月25日 星期三)開盤時的房貸利率價格和上個工作日相比稍差 。目前重新貸款40萬左右的利率,30年固定利率穩定在4.125%,15年固定利率上升至3. 375%,5/1 ARM上升至3.375%。購房貸款40萬左右,30年固定的利率穩定在4.000%, 15年固定利率上升至3.25%,5/1 ARM上升至3.125%. 注:除非特別說明,以下列出的利率都是基於本帖底部的貸款參數,並且是帶impound account的利率。 ******************************* CALIFORNIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. 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 | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 | >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.750 | 3.875 | Jumbo | 4.375 | 3.750 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 | >$417K | 4.500 | 4.000 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 | APR | 4.046 | 3.276 | 3.904 | 3.286 | 3.159 | 3.304 | | >$417K | 4.200 | 3.375 | 4.125 | 3.375 | 3.500 | 3.750 | APR | 4.218 | 3.406 | 4.128 | 3.455 | 3.536 | 3.777 | | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.246 | 3.668 | ------ | ------ | 3.409 | 3.651 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.375 | APR | 4.422 | 3.725 | 4.301 | 3.769 | 4.181 | 4.427 | | ******************************* MARYLAND ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.625 | 3.875 | >$417K | 4.500 | 4.000 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.017 | 3.226 | 3.858 | 3.173 | 3.131 | 3.276 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.242 | 3.727 | ------ | ------ | 3.385 | 3.631 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.375 | APR | 4.393 | 3.674 | 4.254 | 3.695 | 4.147 | 4.392 | | ******************************* VIRGINIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 | >$417K | 4.500 | 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 | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 4.125 | >$417K | 4.500 | ------ | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.011 | 3.232 | 3.863 | 3.183 | 3.135 | 3.280 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.245 | 3.732 | ------ | ------ | 3.388 | 3.634 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.375 | APR | 4.386 | 3.680 | 4.259 | 3.705 | 4.151 | 4.396 | | ******************************* 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 | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 | >$417K | 4.500 | 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 | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.015 | 3.241 | 3.875 | 3.249 | 3.152 | 3.305 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.243 | 3.728 | ------ | ------ | 3.384 | 3.630 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.375 | APR | 4.391 | 3.689 | 4.271 | 3.717 | 4.159 | 4.404 | | ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, High-Balance 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 | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ | >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.024 | 3.256 | 3.869 | 3.242 | 3.158 | 3.303 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.245 | 3.732 | ------ | ------ | 3.388 | 3.634 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 3.875 | APR | 4.400 | 3.705 | 4.284 | 3.740 | 4.180 | 3.922 | 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. 注:以上凡是沒有表明利率的loan program,意味著該program做不了no point的貸款 ,需要收point才能做。 奇虎貸款NMLS ID: 1169300 |