SUMMARY:今天(01月18日 星期三)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4.000%,15年固定利率穩定在3. 250%,5/1 ARM下降至3.375%。購房貸款40萬左右,30年固定的利率穩定在3.875%, 15年固定利率穩定在3.125%,5/1 ARM穩定在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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.500 | >$417K | 4.200 | 3.375 | 4.000 | 3.500 | 3.750 | 3.875 | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 | >$417K | 4.375 | 3.875 | 4.375 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 3.931 | 3.205 | 3.804 | 3.177 | 3.038 | 3.402 | | >$417K | 4.050 | 3.250 | 4.000 | 3.375 | 3.500 | 3.625 | APR | 4.088 | 3.295 | 3.997 | 3.431 | 3.530 | 3.664 | | Jumbo | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.500 | APR | 4.131 | 3.539 | ------ | ------ | 3.401 | 3.538 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 | APR | 4.286 | 3.599 | 4.175 | 3.644 | 4.177 | 4.049 | | ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.375 | 3.500 | >$417K | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 | >$417K | 4.375 | 3.875 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 3.902 | 3.155 | 3.750 | 3.049 | 3.001 | 3.270 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.625 | APR | 4.128 | 3.533 | ------ | ------ | 3.378 | 3.616 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 | APR | 4.257 | 3.548 | 4.134 | 3.570 | 4.029 | 4.009 | | ******************************* 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 | 4.000 | 3.375 | 3.990 | 3.250 | 3.500 | 3.625 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 | >$417K | 4.500 | 4.000 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 3.896 | 3.161 | 3.755 | 3.059 | 3.005 | 3.274 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.625 | APR | 4.130 | 3.537 | ------ | ------ | 3.380 | 3.619 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 | APR | 4.250 | 3.555 | 4.140 | 3.580 | 4.033 | 4.013 | | ******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | ------ | 4.375 | >$417K | 4.500 | 4.000 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 3.901 | 3.170 | 3.785 | 3.125 | 3.031 | 3.301 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.625 | APR | 4.128 | 3.534 | ------ | ------ | 3.376 | 3.615 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 | APR | 4.255 | 3.564 | 4.146 | 3.592 | 4.157 | 4.042 | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | ------ | 4.375 | >$417K | 4.500 | 4.375 | ------ | ------ | ------ | 4.125 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | 4.250 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.375 | APR | 3.909 | 3.185 | 3.798 | 3.118 | 3.043 | 3.403 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.625 | APR | 4.131 | 3.538 | ------ | ------ | 3.381 | 3.619 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 4.250 | APR | 4.264 | 3.579 | 4.159 | 3.615 | 4.177 | 4.293 | 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 |