SUMMARY:今天(08月30日 星期二)開盤時的房貸利率價格和上個工作日相比持平。目前 重新貸款40萬左右的利率,30年固定利率穩定在3.375%,15年固定利率穩定在2.750%, 5/1 ARM穩定在2.875%。購房貸款40萬左右,30年固定的利率穩定在3.250%,15年固定 利率穩定在2.625%,5/1 ARM穩定在2.750% 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 3.375 2.750 3.250 2.625 2.875 3.250 >$417K 3.550 2.875 3.375 2.750 3.375 3.625 Jumbo 4.000 3.500 ----- ------ 3.375 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.750 3.250 3.500 >$417K 3.990 3.375 3.875 ------ ----- 4.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 3.125 2.500 2.750 2.750 APR 3.255 2.590 3.166 2.605 2.677 2.803 >$417K 3.375 2.750 3.250 2.750 3.125 3.250 APR 3.419 2.819 3.297 2.779 3.159 3.292 Jumbo 3.750 3.250 ----- ----- 3.125 3.125 APR 3.786 3.317 ----- ----- 3.161 3.156 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.680 3.077 3.455 3.017 3.553 3.672 ******************************** 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 3.500 2.750 3.375 2.750 3.125 3.375 >$417K ----- ----- ------ ----- 3.500 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 3.000 3.750 3.750 >$417K 4.625 ----- ------ ------- 3.625 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.500 2.750 2.750 APR 3.285 2.588 3.162 2.603 2.678 2.803 >$417K 3.750 3.375 ----- ------ 3.125 3.125 APR 3.760 3.399 ----- ------ 3.136 3.131 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.650 3.072 3.435 2.992 3.534 3.669 ******************************** 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 3.375 2.750 3.125 2.500 2.875 3.125 >$417K 4.000 3.625 ------ ------ 3.375 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.250 2.750 3.125 3.375 >$417K 4.000 3.625 ----- ----- 3.500 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.500 2.750 2.875 APR 3.254 2.540 3.093 2.455 2.751 2.891 >$417K 3.750 3.375 ----- ------ 3.125 3.125 APR 3.762 3.402 ----- ------ 3.138 3.133 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.652 3.016 3.414 2.944 3.522 3.638 ******************************** 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 3.375 2.750 3.250 2.750 3.000 3.250 >$417K 4.500 ------ ------ ------ 3.625 ---- - PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.375 2.750 3.250 3.500 >$417K ----- ------ ------ ------ 3.625 ---- - PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 3.125 2.500 2.750 2.750 APR 3.225 2.547 3.124 2.542 2.755 2.779 >$417K 3.750 3.375 ----- ------ 3.125 3.125 APR 3.764 3.509 ----- ------ 3.140 3.135 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.646 3.023 3.419 2.954 3.525 3.642 ******************************** 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 3.625 3.000 3.500 2.875 3.750 3.750 >$417K 4.125 4.125 ------ ------ ----- 3.500 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.125 3.625 3.000 ----- 4.125 >$417K 4.125 4.125 ------ ------ ----- 3.625 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.375 2.750 2.875 APR 3.296 2.582 3.179 2.468 2.781 2.917 >$417K 3.750 3.375 ----- ------ 3.125 3.125 APR 3.765 3.407 ----- ------ 3.141 3.136 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.659 3.094 3.453 3.015 3.551 3.682 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 |