SUMMARY:今天(09月06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下降至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 3.125 2.750 2.875 3.250 >$417K 3.550 2.875 3.375 2.750 3.375 3.375 Jumbo 4.000 3.500 ----- ------ 3.250 3.250 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 3.125 3.375 >$417K 3.990 3.500 3.750 ------ 3.500 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.125 2.625 2.750 2.875 APR 3.294 2.665 3.133 2.761 2.784 2.918 >$417K 3.450 2.750 3.250 2.750 3.125 3.125 APR 3.474 2.813 3.305 2.769 3.152 3.168 Jumbo 3.750 3.250 ----- ----- 3.125 3.000 APR 3.780 3.321 ----- ----- 3.150 3.039 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 3.625 3.625 APR 3.670 3.073 3.448 3.017 3.659 3.666 ******************************** 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 ----- ----- ------ ----- 3.375 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.700 3.125 3.500 3.125 3.750 3.750 >$417K ----- ----- ------ ------- 3.500 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.000 2.625 2.750 2.875 APR 3.291 2.660 3.052 2.712 2.764 2.919 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.754 3.394 ----- ------ 3.011 3.014 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 3.640 3.068 3.444 2.996 3.535 3.663 ******************************** 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 2.750 2.875 3.125 >$417K 4.000 3.625 ------ ------ 3.250 3.250 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 ----- ----- 3.375 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.000 2.625 2.750 2.875 APR 3.260 2.605 3.036 2.672 2.752 2.891 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.756 3.391 ----- ------ 3.013 3.016 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 3.640 3.012 3.400 2.944 3.523 3.631 ******************************** 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 3.490 2.750 3.250 2.750 3.000 3.250 >$417K ----- ------ ------ ------ 3.500 ---- - 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 ----- ------ ------ ------ 3.500 ---- - PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.000 2.625 2.750 2.875 APR 3.264 2.611 3.041 2.682 2.756 2.895 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.758 3.402 ----- ------ 3.015 3.018 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 3.635 3.019 3.406 2.954 3.527 3.635 ******************************** 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 ----- ----- ------ ------ 3.750 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 3.000 ----- 4.125 >$417K ----- ----- ------ ------ 3.750 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.125 2.625 2.750 2.875 APR 3.303 2.681 3.131 2.764 2.782 2.917 >$417K 3.750 3.375 ----- ------ 3.000 3.000 APR 3.759 3.402 ----- ------ 3.006 3.019 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 2.875 3.625 3.625 APR 3.649 3.090 3.511 2.989 3.663 3.675 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 |