SUMMARY:今天(1月6日 星期五)開盤時的房貸利率價格和上個工作日相比趨於上漲 。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年固定利率穩定至 3.250%,5/1 ARM上漲在3.875%。購房貸款40萬左右,30年固定的利率上漲在4.000%, 15年固定利率穩定在3.125%,5/1 ARM上漲至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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.875 | 3.750 | >$417K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ | 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 | 4.250 | 4.000 | >$417K | 4.625 | ------ | 4.375 | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.125 | 3.750 | 3.000 | 3.125 | 3.500 | APR | 3.994 | 3.205 | 3.828 | 3.125 | 3.169 | 3.540 | | >$417K | 4.125 | 3.500 | 4.000 | 3.500 | 4.375 | 4.000 | APR | 4.162 | 3.529 | 4.011 | 3.563 | 4.421 | 4.034 | | Jumbo | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.625 | APR | 4.144 | 3.556 | ------ | ------ | 3.416 | 3.641 | | 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 | ------ | ------ | APR | 4.286 | 3.669 | 4.175 | 3.689 | ------ | ------ | | ******************************* 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 | 3.750 | 3.750 | >$417K | 4.250 | 3.750 | ------ | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.125 | 4.000 | >$417K | 4.375 | 4.000 | ------ | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.125 | 3.750 | 3.000 | 3.125 | 3.625 | APR | 3.965 | 3.155 | 3.788 | 3.052 | 3.141 | 3.621 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.625 | APR | 4.140 | 3.613 | ------ | ------ | 3.518 | 3.638 | | 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 | ------ | ------ | APR | 4.257 | 3.619 | 4.134 | 3.616 | ------ | ------ | | ******************************* 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 | 4.000 | 3.875 | >$417K | 4.375 | 4.000 | ------ | ------ | ------ | 4.125 | | 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 | ------ | 4.250 | >$417K | 4.500 | 4.125 | ------ | ------ | ------ | 4.125 | | 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 | 3.125 | 3.625 | APR | 3.906 | 3.161 | 3.793 | 3.036 | 3.145 | 3.625 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.625 | APR | 4.143 | 3.617 | ------ | ------ | 3.521 | 3.640 | | 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 | ------ | ------ | APR | 4.250 | 3.625 | 4.140 | 3.626 | ------ | ------ | | ******************************* 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 | ------ | 4.250 | >$417K | 4.375 | 4.000 | ------ | ------ | ------ | 4.125 | | 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 | ------ | ------ | >$417K | 4.500 | 4.125 | ------ | ------ | ------ | 4.125 | | 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 | 3.125 | 3.625 | APR | 3.911 | 3.170 | 3.800 | 3.190 | 3.169 | 3.666 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.625 | APR | 4.141 | 3.614 | ------ | ------ | 3.519 | 3.638 | | 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 | ------ | ------ | APR | 4.255 | 3.582 | 4.146 | 3.619 | ------ | ------ | | ******************************* 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 | ------ | ------ | >$417K | 4.500 | 4.375 | ------ | ------ | ------ | ------ | | 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 | ------ | ------ | ------ | ------ | ------ | | 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 | 3.125 | 3.625 | APR | 3.920 | 3.185 | 3.812 | 3.207 | 3.168 | 3.672 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.625 | APR | 4.144 | 3.618 | ------ | ------ | 3.521 | 3.641 | | 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 | ------ | ------ | APR | 4.264 | 3.598 | 4.159 | 3.642 | ------ | ------ | 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 |