SUMMARY:今天(01月30日 星期一)開盤時的房貸利率價格和上個工作日相比略微下降 。目前重新貸款40萬左右的利率,30年固定利率穩定在4.125%,15年固定利率穩定在3. 250%,5/1 ARM下降在3.250%。購房貸款40萬左右,30年固定的利率下降在3.990%, 15年固定利率穩定在3.250%,5/1 ARM穩定在3.125%. 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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.250 | 3.625 | >$417K | 4.250 | 3.375 | 4.125 | 3.500 | 3.750 | 3.875 | Jumbo | 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 | 3.500 | 3.875 | >$417K | 4.500 | 3.875 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.042 | 3.240 | 3.896 | 3.260 | 3.152 | 3.304 | | >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.250 | 3.625 | APR | 4.169 | 3.385 | 4.025 | 3.439 | 3.292 | 3.671 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.162 | 3.654 | ------ | ------ | 3.406 | 3.647 | | 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 | 3.875 | 3.990 | APR | 4.401 | 3.706 | 4.256 | 3.743 | 3.930 | 4.035 | | ******************************* 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 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 | >$417K | 4.375 | 3.875 | ------ | ------ | 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 | 3.500 | 3.750 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 4.003 | 3.190 | 3.850 | 3.144 | 3.023 | 3.266 | | >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.226 | 3.647 | ------ | ------ | 3.382 | 3.627 | | 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 | 3.875 | 3.990 | APR | 4.371 | 3.655 | 4.216 | 3.669 | 3.896 | 3.995 | | ******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 | >$417K | 4.500 | 4.000 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 4.007 | 3.196 | 3.855 | 3.154 | 3.027 | 3.270 | | >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.228 | 3.652 | ------ | ------ | 3.385 | 3.629 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | 3.875 | 3.990 | APR | 4.282 | 3.662 | 4.221 | 3.679 | 3.900 | 3.999 | | ******************************* 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 | 3.500 | 3.875 | >$417K | 4.500 | 4.000 | ------ | ------ | 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 | 3.750 | 4.125 | 3.750 | ------ | 4.250 | >$417K | 4.500 | 4.250 | ------ | ------ | 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 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 3.932 | 3.224 | 3.867 | 3.220 | 3.035 | 3.297 | | >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.226 | 3.648 | ------ | ------ | 3.381 | 3.625 | | 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 | 3.875 | 3.990 | APR | 4.287 | 3.600 | 4.190 | 3.645 | 3.908 | 4.027 | | ******************************* 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 | 4.625 | ------ | ------ | ------ | ------ | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.048 | 3.220 | 3.869 | 3.213 | 3.150 | 3.303 | | >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.229 | 3.653 | ------ | ------ | 3.385 | 3.630 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 3.875 | 3.990 | APR | 4.296 | 3.686 | 4.202 | 3.714 | 3.928 | 4.040 | 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 |