SUMMARY:今天(12月21日 星期三)開盤時的房貸利率價格和上個工作日相比趨於稍好 。目前重新貸款40萬左右的利率,30年固定利率穩定在4.25%,15年固定利率穩定至 3.375%,5/1 ARM降低至3.500%。購房貸款40萬左右,30年固定的利率穩定在4.125%, 15年固定利率穩定在3.250%,5/1 ARM降低至2.990%. 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 | 4.250 | 3.375 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.375 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 | Jumbo | 4.500 | 4.000 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 | >$417K | 4.625 | ------ | 4.625 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 | APR | 4.136 | 3.312 | 3.876 | 3.225 | 3.042 | 3.419 | | >$417K | 4.200 | 3.500 | 4.125 | 3.500 | 3.500 | 3.750 | APR | 4.233 | 3.565 | 4.151 | 3.559 | 3.544 | 3.790 | | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 | APR | 4.292 | 3.788 | ------ | ------ | 3.520 | 3.666 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.125 | 4.375 | APR | 4.515 | 3.832 | 4.309 | 3.868 | 4.182 | 4.429 | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | >$417K | 4.500 | 4.125 | ------ | ------ | 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 | 3.500 | 4.125 | 3.500 | 3.750 | 3.990 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 | APR | 4.107 | 3.262 | 3.836 | 3.152 | 3.005 | 3.381 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.371 | 3.782 | ------ | ------ | 3.496 | 3.742 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.125 | 4.250 | APR | 4.486 | 3.778 | 4.268 | 3.794 | 4.142 | 4.276 | | ******************************* 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 | 4.250 | 3.500 | 4.000 | 3.375 | 3.625 | 3.875 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 | >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 | APR | 4.104 | 3.268 | 3.841 | 3.162 | 3.009 | 3.385 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.374 | 3.786 | ------ | ------ | 3.498 | 3.745 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.125 | 4.250 | APR | 4.479 | 3.785 | 4.274 | 3.804 | 4.146 | 4.280 | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.250 | 3.750 | ------ | 4.500 | >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 | APR | 4.047 | 3.277 | 3.875 | 3.223 | 3.035 | 3.412 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.372 | 3.783 | ------ | ------ | 3.494 | 3.740 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.375 | APR | 4.423 | 3.726 | 4.308 | 3.771 | 4.175 | 4.422 | | ******************************* 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 | 4.375 | 3.625 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.250 | 3.875 | ------ | ------ | >$417K | 4.875 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.250 | 3.375 | APR | 4.048 | 3.292 | 3.841 | 3.246 | 3.280 | 3.424 | | >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 | APR | 4.375 | 3.787 | ------ | ------ | 3.499 | 3.745 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.375 | 4.375 | APR | 4.432 | 3.811 | 4.273 | 3.839 | 4.426 | 4.435 | 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 |