SUMMARY:今天(05月22日 星期一)開盤時的房貸利率價格和上個工作日相比略微上漲 。目前重新貸款40萬左右的利率,30年固定利率穩定至3.950%,15年固定利率上漲在3. 250%,5/1 ARM穩定在3.250%。購房貸款40萬左右,30年固定的利率上漲在3.875%, 15年固定利率下降在3.000%,5/1 ARM穩定在3.000%. 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.250 | 3.500 | >$417K | 4.125 | 3.250 | 3.875 | 3.375 | 3.500 | 3.625 | Jumbo | 4.125 | 3.750 | 4.250 | ------ | 3.375 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | >$417K | 4.250 | 3.875 | 4.250 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.884 | 3.098 | 3.529 | 3.064 | 3.053 | 3.294 | | >$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 | APR | 4.038 | 3.199 | 3.791 | 3.223 | 3.390 | 3.515 | | Jumbo | 4.000 | 3.625 | 4.125 | ------ | 3.250 | 3.375 | APR | 4.013 | 3.685 | 4.147 | ------ | 3.288 | 3.402 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.182 | 3.581 | 3.946 | 3.519 | 3.657 | 3.782 | | ******************************* 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.875 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | >$417K | 4.125 | 3.875 | 4.250 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.853 | 3.048 | 3.487 | 2.991 | 3.026 | 3.266 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.988 | 3.750 | 4.112 | ------ | 3.265 | 3.379 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.153 | 3.530 | 3.903 | 3.445 | 3.628 | 3.753 | | ******************************* 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.375 | 3.625 | >$417K | 4.625 | 4.000 | 4.375 | ------ | 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 | 3.750 | 3.250 | 3.750 | 3.750 | >$417K | 4.750 | 4.000 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.781 | 3.054 | 3.483 | 3.001 | 3.030 | 3.270 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.990 | 3.754 | 4.116 | ------ | 3.267 | 3.381 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.146 | 3.537 | 3.900 | 3.455 | 3.632 | 3.757 | | ******************************* 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | >$417K | 4.750 | 4.125 | 4.375 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.875 | 3.625 | ------ | 4.375 | >$417K | 4.750 | 4.125 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.786 | 3.063 | 3.514 | 2.992 | 3.054 | 3.295 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.986 | 3.747 | 4.116 | ------ | 3.263 | 3.377 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.151 | 3.545 | 3.931 | 3.467 | 3.672 | 3.798 | | ******************************* 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 | 4.125 | 3.500 | 3.875 | 3.375 | ------ | 4.500 | >$417K | 5.000 | 4.375 | 4.625 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | ------ | ------ | >$417K | 5.000 | 4.375 | 4.625 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.794 | 3.078 | 3.537 | 3.015 | 3.052 | 3.293 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.250 | 3.375 | APR | 3.991 | 3.755 | 4.116 | ------ | 3.268 | 3.382 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.750 | APR | 4.160 | 3.561 | 3.988 | 3.490 | 3.673 | 3.798 | 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 |