SUMMARY:今天(11月01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3.500%,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穩定至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 | 3.750 | 3.000 | 3.625 | 3.000 | 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 | 4.125 | 3.500 | 4.125 | 3.750 | 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 | 2.625 | 2.750 | 2.990 | APR | 3.419 | 2.723 | 3.269 | 2.681 | 2.799 | 3.033 | | >$417K | 3.550 | 2.875 | 3.500 | 2.750 | 3.125 | 3.250 | APR | 3.596 | 2.920 | 3.519 | 2.867 | 3.161 | 3.268 | | Jumbo | 3.625 | 3.000 | ------ | ------ | 2.875 | 3.000 | APR | 3.644 | 3.053 | ------ | ------ | 2.914 | 3.029 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.625 | APR | 3.795 | 3.187 | 3.566 | 3.215 | 3.664 | 3.682 | | ******************************* 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 | 2.750 | 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 | 3.500 | 2.875 | 3.250 | 3.500 | >$417K | 3.875 | 4.250 | ------ | ------ | 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 | 2.750 | 2.750 | 2.990 | APR | 3.392 | 2.662 | 3.222 | 2.637 | 2.769 | 3.000 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.641 | 3.123 | ------ | ------ | 3.011 | 3.122 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.625 | APR | 3.767 | 3.137 | 3.518 | 3.142 | 3.629 | 3.648 | | ******************************* 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 | 2.875 | 3.375 | 2.875 | 3.125 | 3.375 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | 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 | 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 | 2.750 | 2.750 | 2.990 | APR | 3.385 | 2.669 | 3.227 | 2.647 | 2.773 | 3.004 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.643 | 3.127 | ------ | ------ | 3.014 | 3.125 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.625 | APR | 3.760 | 3.143 | 3.523 | 3.152 | 3.633 | 3.652 | | ******************************* 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.625 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.250 | 3.625 | 3.250 | 3.750 | 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 | 3.375 | 2.625 | 3.250 | 2.750 | 2.750 | 2.990 | APR | 3.390 | 2.717 | 3.265 | 2.659 | 2.780 | 3.030 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.641 | 3.124 | ------ | ------ | 3.011 | 3.122 | | 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 | 3.765 | 3.099 | 3.561 | 3.144 | 3.661 | 3.784 | | ******************************* 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 | 3.750 | 3.000 | 3.625 | 3.000 | 3.750 | 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 | 3.875 | 3.250 | 3.750 | 3.250 | ------ | 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 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 | APR | 3.398 | 2.703 | 3.282 | 2.719 | 2.799 | 3.042 | | >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.644 | 3.128 | ------ | ------ | 3.014 | 3.126 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.750 | APR | 3.774 | 3.167 | 3.579 | 3.186 | 3.673 | 3.797 | 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 |