SUMMARY:今天(12月08日 星期四)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4.000%,15年固定利率穩定至 3.250%,5/1 ARM上升至3.875%。購房貸款40萬左右,30年固定的利率穩定在3.875%, 15年固定利率穩定在3.125%,5/1 ARM上升至3.625%. 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.875 | 4.000 | >$417K | 4.250 | 3.500 | 4.125 | 4.000 | ------ | ------ | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | ------ | ------ | >$417K | 4.750 | 4.000 | 4.625 | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.500 | 3.750 | APR | 3.931 | 3.205 | 3.828 | 3.242 | 3.551 | 3.790 | | >$417K | 4.125 | 3.375 | 4.125 | 3.750 | ------ | ------ | APR | 4.162 | 3.458 | 4.140 | 3.847 | ------ | ------ | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.132 | 3.646 | ------ | ------ | 3.275 | 3.394 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | APR | 4.286 | 3.599 | 4.175 | 3.644 | ------ | ------ | | ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.875 | 4.000 | >$417K | 4.250 | 3.875 | ------ | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | ------ | ------ | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.500 | 3.625 | APR | 3.902 | 3.155 | 3.788 | 3.168 | 3.519 | 3.647 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.375 | APR | 4.128 | 3.639 | ------ | ------ | 3.372 | 3.390 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | APR | 4.257 | 3.548 | 4.134 | 3.570 | ------ | ------ | | ******************************* 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 | 3.250 | 4.000 | 3.250 | 4.250 | 4.125 | >$417K | 4.375 | 4.000 | ------ | ------ | ------ | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.125 | 3.375 | ------ | ------ | >$417K | 4.375 | 4.125 | ------ | ------ | ------ | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.500 | 3.625 | APR | 3.896 | 3.161 | 3.793 | 3.178 | 3.523 | 3.651 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.375 | APR | 4.131 | 3.644 | ------ | ------ | 3.375 | 3.393 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | APR | 4.250 | 3.555 | 4.140 | 3.580 | ------ | ------ | | ******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | ------ | ------ | >$417K | 4.375 | 4.000 | ------ | ------ | ------ | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.250 | 4.000 | ------ | ------ | >$417K | 4.500 | 4.125 | ------ | ------ | ------ | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.625 | 3.875 | APR | 3.901 | 3.170 | 3.800 | 3.190 | 3.668 | 3.901 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.375 | APR | 4.129 | 3.640 | ------ | ------ | 3.373 | 3.391 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | APR | 4.255 | 3.564 | 4.146 | 3.592 | ------ | ------ | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.625 | 3.750 | APR | 3.909 | 3.185 | 3.812 | 3.213 | 3.675 | 3.799 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.375 | APR | 4.132 | 3.645 | ------ | ------ | 3.375 | 3.393 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | APR | 4.264 | 3.579 | 4.159 | 3.615 | ------ | ------ | 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 |