SUMMARY:今天(03月30日 星期四)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穩定在3.250%。購房貸款40萬左右,30年固定的利率下降在3.950%, 15年固定利率穩定在3.250%,5/1 ARM穩定在3.000%. 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 | 3.750 | 3.250 | 3.250 | 3.375 | >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.750 | 3.875 | Jumbo | 4.250 | 3.875 | 4.375 | ------ | 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 | 3.950 | 3.375 | 3.500 | 3.750 | >$417K | 4.375 | 4.000 | 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 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 | APR | 4.001 | 3.240 | 3.757 | 3.231 | 3.039 | 3.274 | | >$417K | 4.125 | 3.250 | 4.000 | 3.375 | 3.375 | 3.750 | APR | 4.153 | 3.331 | 4.004 | 3.480 | 3.421 | 3.773 | | Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.156 | 3.676 | 4.272 | ------ | 3.530 | 3.651 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.401 | 3.706 | 4.188 | 3.617 | 3.782 | 3.907 | | ******************************* 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 | 3.750 | 3.250 | 3.125 | 3.375 | >$417K | 4.375 | 4.000 | 4.375 | ------ | 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 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 | APR | 3.970 | 3.190 | 3.715 | 3.115 | 3.007 | 3.247 | | >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.230 | 3.737 | 4.237 | ------ | 3.505 | 3.627 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.371 | 3.655 | 4.145 | 3.544 | 3.753 | 3.878 | | ******************************* 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 | 3.875 | 3.250 | 3.250 | 3.500 | >$417K | 4.500 | 4.125 | 4.500 | ------ | 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 | 3.950 | 3.375 | 3.625 | 3.875 | >$417K | 4.500 | 4.125 | 4.500 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.000 | 3.250 | APR | 3.967 | 3.196 | 3.662 | 3.125 | 3.010 | 3.250 | | >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.233 | 3.742 | 4.241 | ------ | 3.508 | 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 | 3.500 | 3.750 | 3.875 | APR | 4.282 | 3.662 | 4.141 | 3.553 | 3.757 | 3.882 | | ******************************* 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 | 3.950 | 3.375 | 3.375 | 3.750 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 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 | 3.625 | ------ | 4.500 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 4.000 | 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 | 3.000 | 3.250 | APR | 3.921 | 3.224 | 3.742 | 3.144 | 3.018 | 3.275 | | >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.228 | 3.738 | 4.241 | ------ | 3.504 | 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 | 3.750 | 3.875 | APR | 4.287 | 3.600 | 4.173 | 3.566 | 3.787 | 3.923 | | ******************************* 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 | ------ | 4.750 | >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.250 | 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 | 3.625 | ------ | ------ | >$417K | 4.750 | 4.500 | 4.750 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 | APR | 3.930 | 3.220 | 3.766 | 3.184 | 3.037 | 3.273 | | >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | APR | 4.233 | 3.743 | 4.241 | ------ | 3.508 | 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 | 3.500 | 3.750 | 3.875 | APR | 4.296 | 3.686 | 4.173 | 3.588 | 3.798 | 3.924 | 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 |