SUMMARY:今天(1月5日 星期四)開盤時的房貸利率價格和上個工作日相比趨於下降 。目前重新貸款40萬左右的利率,30年固定利率下降在4.000%,15年固定利率穩定至 3.250%,5/1 ARM下降在3.375%。購房貸款40萬左右,30年固定的利率穩定在3.950%, 15年固定利率下降在3.125%,5/1 ARM穩定至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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 | >$417K | 4.200 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 | Jumbo | 4.375 | 4.000 | ------ | ------ | 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 | 3.875 | >$417K | 4.500 | 4.250 | 4.375 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.992 | 3.223 | 3.809 | 3.268 | 3.021 | 3.292 | | >$417K | 4.050 | 3.375 | 4.000 | 3.625 | 3.500 | 3.750 | APR | 4.084 | 3.453 | 4.003 | 3.696 | 3.531 | 3.772 | | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.260 | 3.809 | ------ | ------ | 3.402 | 3.651 | | 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 | 4.000 | 3.990 | APR | 4.297 | 3.688 | 4.189 | 3.716 | 4.050 | 4.032 | | ******************************* 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 | 3.250 | 3.375 | 3.500 | >$417K | 4.375 | 4.125 | ------ | ------ | 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 | 4.250 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.953 | 3.157 | 3.755 | 3.194 | 2.984 | 3.255 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.235 | 3.899 | ------ | ------ | 3.379 | 3.627 | | 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 | 4.267 | 3.635 | 4.149 | 3.642 | 3.904 | 3.992 | | ******************************* 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 | 3.990 | 3.375 | 3.500 | 3.625 | >$417K | ------ | ------ | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 | >$417K | ------ | ------ | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.957 | 3.164 | 3.760 | 3.204 | 2.988 | 3.258 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.238 | 3.904 | ------ | ------ | 3.381 | 3.629 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 3.875 | 3.990 | APR | 4.261 | 3.642 | 4.154 | 3.652 | 3.908 | 3.996 | | ******************************* 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 | 3.750 | 3.875 | >$417K | ------ | ------ | ------ | ------ | 3.750 | 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 | 4.125 | 4.250 | >$417K | ------ | ------ | ------ | ------ | 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 | 3.125 | 2.990 | 3.250 | APR | 3.921 | 3.188 | 3.799 | 3.216 | 3.014 | 3.285 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.234 | 3.897 | ------ | ------ | 3.377 | 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 | 4.000 | 3.990 | APR | 4.266 | 3.600 | 4.161 | 3.645 | 4.043 | 4.024 | | ******************************* 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 | ------ | 4.250 | >$417K | ------ | ------ | ------ | ------ | ------ | 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 | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.930 | 3.203 | 3.816 | 3.239 | 3.026 | 3.297 | | >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 | APR | 4.238 | 3.905 | ------ | ------ | 3.382 | 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 | 4.000 | 3.990 | APR | 4.275 | 3.668 | 4.173 | 3.687 | 4.056 | 4.037 | 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 |