SUMMARY:今天(02月13日 星期一)開盤時的房貸利率價格和上個工作日相比略微下降 。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穩定至3.250%。購房貸款40萬左右,30年固定的利率穩定至3.990%, 15年固定利率下降在3.250%,5/1 ARM穩定在2.990%. 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 | 3.250 | 3.500 | >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.750 | 3.990 | Jumbo | 4.250 | 3.750 | 4.375 | ------ | 3.750 | 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 | 4.000 | 3.250 | 3.500 | 3.750 | >$417K | 4.500 | 3.875 | 4.125 | ------ | 3.750 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 4.039 | 3.186 | 3.793 | 3.200 | 3.045 | 3.288 | | >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.625 | APR | 4.162 | 3.305 | 4.009 | 3.257 | 3.404 | 3.651 | | Jumbo | 4.125 | 3.500 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.157 | 3.576 | 4.272 | ------ | 3.539 | 3.658 | | 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 | 3.625 | 3.875 | APR | 4.307 | 3.599 | 4.175 | 3.564 | 3.657 | 3.907 | | ******************************* 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 | 3.250 | 3.500 | >$417K | 4.375 | 3.875 | 4.375 | ------ | 3.750 | 3.875 | | 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 | 3.250 | 3.500 | 3.625 | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.980 | 3.136 | 3.754 | 3.085 | 3.008 | 3.250 | | >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.232 | 3.632 | 4.237 | ------ | 3.515 | 3.634 | | 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 | 3.625 | 3.875 | APR | 4.278 | 3.548 | 4.134 | 3.491 | 3.628 | 3.878 | | ******************************* 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 | 3.875 | 3.250 | 3.375 | 3.625 | >$417K | 4.500 | 4.000 | 4.500 | ------ | 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 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 | >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.983 | 3.143 | 3.759 | 3.094 | 3.012 | 3.254 | | >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.235 | 3.637 | 4.241 | ------ | 3.517 | 3.636 | | 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 | 3.625 | 3.875 | APR | 4.271 | 3.555 | 4.140 | 3.501 | 3.632 | 3.882 | | ******************************* 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 | 3.250 | 3.500 | 3.750 | >$417K | 4.500 | 4.000 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.125 | 3.990 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 3.921 | 3.206 | 3.792 | 3.118 | 3.038 | 3.281 | | >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.233 | 3.633 | 4.241 | ------ | 3.513 | 3.632 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.375 | 3.625 | 3.875 | APR | 4.276 | 3.564 | 4.146 | 3.493 | 3.672 | 3.923 | | ******************************* 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 | 3.375 | ------ | 3.990 | >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.500 | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | ------ | ------ | >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.500 | 4.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.000 | 3.250 | APR | 3.930 | 3.222 | 3.758 | 3.140 | 3.052 | 3.293 | | >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.235 | 3.638 | 4.241 | ------ | 3.518 | 3.637 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.375 | 3.625 | 3.875 | APR | 4.285 | 3.579 | 4.159 | 3.516 | 3.673 | 3.924 | 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 |