SUMMARY:今天(05月15日 星期一)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穩定到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 | 3.750 | 3.125 | 3.250 | 3.500 | >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 3.750 | Jumbo | 4.250 | 3.875 | 4.500 | ------ | 3.500 | 3.625 | | 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 | 3.250 | 3.625 | 3.750 | >$417K | 4.375 | 3.750 | 4.375 | ------ | 3.875 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.910 | 3.187 | 3.650 | 3.090 | 3.158 | 3.304 | | >$417K | 4.050 | 3.250 | 3.750 | 3.250 | 3.375 | 3.500 | APR | 4.086 | 3.230 | 3.808 | 3.167 | 3.412 | 3.537 | | Jumbo | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.141 | 3.778 | 4.398 | ------ | 3.398 | 3.513 | | 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 | 4.000 | APR | 4.286 | 3.599 | 4.132 | 3.564 | 3.782 | 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 | 3.750 | 3.125 | 3.250 | 3.500 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.500 | 3.625 | | 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 | 3.250 | 3.500 | 3.750 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.882 | 3.137 | 3.607 | 3.017 | 3.126 | 3.276 | | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.116 | 3.771 | 4.362 | ------ | 3.374 | 3.489 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.750 | 4.000 | APR | 4.257 | 3.548 | 4.031 | 3.491 | 3.753 | 4.003 | | ******************************* 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 | 3.250 | 3.750 | 3.250 | 3.375 | 3.625 | >$417K | 4.750 | 4.250 | 4.625 | ------ | 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 | 3.875 | 3.375 | 3.625 | 3.875 | >$417K | 4.875 | 4.250 | 4.625 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.875 | 3.143 | 3.604 | 3.027 | 3.130 | 3.280 | | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.119 | 3.776 | 4.366 | ------ | 3.377 | 3.492 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.750 | 4.000 | APR | 4.250 | 3.555 | 4.027 | 3.501 | 3.757 | 4.007 | | ******************************* 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 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.875 | 4.375 | 4.625 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.950 | 3.625 | ------ | 4.500 | >$417K | 4.875 | 4.375 | 4.625 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.880 | 3.081 | 3.635 | 3.039 | 3.138 | 3.305 | | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.114 | 3.769 | 4.366 | ------ | 3.373 | 3.488 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.750 | 4.000 | APR | 4.182 | 3.564 | 4.059 | 3.493 | 3.798 | 4.048 | | ******************************* 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 | 3.625 | 4.000 | 3.625 | ------ | 4.500 | >$417K | 5.125 | 4.625 | 4.875 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ | >$417K | 5.125 | 4.625 | 4.875 | ------ | 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 | 3.625 | 3.000 | 3.125 | 3.375 | APR | 3.912 | 3.204 | 3.656 | 3.117 | 3.157 | 3.409 | | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 | APR | 4.119 | 3.777 | 4.366 | ------ | 3.377 | 3.492 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 3.750 | 4.000 | APR | 4.379 | 3.719 | 4.141 | 3.730 | 3.798 | 4.049 | 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 |