SUMMARY:今天(10月31日 星期一)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3.500%,15年固定利率穩定在 2.750%,5/1 ARM穩定在3.000%。購房貸款40萬左右,30年固定的利率穩定在3.375%, 15年固定利率穩定在2.625%,5/1 ARM下降至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 | 3.500 | 2.750 | 3.375 | 2.750 | 3.000 | 3.250 | >$417K | 3.700 | 2.875 | 3.500 | 2.875 | 3.375 | 3.375 | Jumbo | 3.750 | 3.250 | ------ | ------ | 3.125 | 3.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 | >$417K | 4.000 | 3.500 | 3.875 | 3.625 | 3.375 | 3.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.399 | 2.703 | 3.240 | 2.623 | 2.794 | 3.041 | | >$417K | 3.550 | 2.750 | 3.375 | 2.750 | 3.125 | 3.125 | APR | 3.578 | 2.820 | 3.429 | 2.833 | 3.159 | 3.168 | | Jumbo | 3.625 | 3.000 | ------ | ------ | 2.875 | 3.000 | APR | 3.638 | 3.041 | ------ | ------ | 2.912 | 3.027 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.625 | 3.750 | APR | 3.775 | 3.098 | 3.538 | 3.143 | 3.673 | 3.796 | | ******************************* 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 | 3.500 | 2.750 | 3.375 | 2.625 | 3.000 | 3.250 | >$417K | 3.875 | 3.375 | ------ | ------ | 3.250 | 3.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.375 | 2.875 | 3.250 | 3.500 | >$417K | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.372 | 2.642 | 3.193 | 2.509 | 2.762 | 3.008 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.634 | 3.111 | ------ | ------ | 3.009 | 3.120 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.625 | 3.750 | APR | 3.746 | 3.050 | 3.490 | 3.070 | 3.639 | 3.761 | | ******************************* 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 | 3.500 | 2.750 | 3.375 | 2.750 | 3.125 | 3.375 | >$417K | 3.875 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.375 | 3.625 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.365 | 2.649 | 3.198 | 2.519 | 2.766 | 3.012 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.637 | 3.115 | ------ | ------ | 3.012 | 3.123 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.625 | 3.750 | APR | 3.740 | 3.057 | 3.495 | 3.079 | 3.643 | 3.765 | | ******************************* 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 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 | >$417K | 3.875 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.875 | 3.875 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.250 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 | APR | 3.305 | 2.697 | 3.236 | 2.584 | 2.774 | 3.038 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.635 | 3.112 | ------ | ------ | 3.009 | 3.120 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 3.000 | 3.500 | 3.000 | 3.625 | 3.750 | APR | 3.671 | 3.063 | 3.534 | 3.091 | 3.657 | 3.793 | | ******************************* 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 | 3.000 | 3.875 | 3.875 | >$417K | 4.125 | ------ | ------ | ------ | ------ | ------ | | 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 | 3.125 | ------ | 4.250 | >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 3.125 | APR | 3.378 | 2.719 | 3.253 | 2.577 | 2.792 | 3.150 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.637 | 3.116 | ------ | ------ | 3.012 | 3.123 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 3.000 | 3.500 | 3.000 | 3.625 | 3.750 | APR | 3.679 | 3.078 | 3.551 | 3.114 | 3.676 | 3.805 | 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 |