SUMMARY:今天(09月22日 星期四)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年固定利率下降至3.375%,15年固定利率穩定在2.750%, 5/1 ARM穩定至3.000%。購房貸款40萬左右,30年固定的利率穩定在3.250%,15年固定 利率下降在2.500%,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 2.625 3.000 3.250 >$417K 3.500 2.875 3.375 2.875 3.375 3.375 Jumbo 3.625 3.125 ----- ------ 3.125 3.125 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 3.250 3.500 >$417K 3.875 3.375 3.750 3.625 3.375 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.000 2.500 2.750 2.875 APR 3.290 2.590 3.071 2.527 2.786 2.924 >$417K 3.375 2.750 3.250 2.750 3.125 3.125 APR 3.408 2.775 3.309 2.783 3.149 3.154 Jumbo 3.625 3.000 ----- ----- 2.875 3.000 APR 3.618 3.032 ----- ----- 2.907 3.013 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 3.660 3.044 3.425 3.017 3.556 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 3.250 2.750 3.125 3.500 >$417K 3.875 3.500 ------ ----- ----- 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 3.000 3.625 3.750 >$417K 4.000 3.625 ------ ------- ----- 3.500 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.000 2.500 2.750 2.875 APR 3.285 2.585 3.054 2.525 2.766 2.923 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.615 3.027 ----- ------ 3.004 3.009 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 3.630 3.038 3.421 2.966 3.649 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 2.500 2.875 3.125 >$417K 3.750 3.250 ------ ----- 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 3.875 3.375 ------ ------- 3.250 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 2.990 2.500 2.750 2.875 APR 3.257 2.530 3.025 2.455 2.754 2.897 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.615 3.026 ----- ------ 3.004 3.009 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 3.630 3.983 3.378 2.944 3.522 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 2.625 3.125 3.375 >$417K 3.875 3.500 ------ ------ ----- 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.375 2.750 3.375 3.500 >$417K 4.000 3.625 ------ ------ ----- 3.500 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 2.990 2.500 2.750 2.875 APR 3.260 2.536 3.030 2.465 2.758 2.901 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.617 3.030 ----- ------ 3.006 3.012 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 3.625 3.990 3.383 2.954 3.525 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 3.500 3.000 3.500 2.875 3.625 3.750 >$417K 4.125 3.750 ------ ------ ----- 3.750 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 ----- 4.125 >$417K 4.250 3.875 ------ ------ ----- 3.875 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.378 2.750 2.875 APR 3.286 2.546 3.130 2.468 2.785 2.920 >$417K 3.625 3.000 ----- ------ 3.000 3.000 APR 3.618 3.013 ----- ------ 3.007 3.012 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 3.639 3.061 3.438 2.989 3.665 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 |