SUMMARY:今天(05月03日 星期三)開盤時的房貸利率價格和上個工作日相比下降。目 前重新貸款40萬左右的利率,30年固定利率下降在3.950%,15年固定利率穩定在3. 250%,5/1 ARM穩定到3.250%。購房貸款40萬左右,30年固定的利率穩定在3.875%, 15年固定利率上升在3.125%,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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 3.750 | Jumbo | 4.125 | 3.625 | 4.375 | ------ | 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 | 3.750 | 3.250 | 3.625 | 3.750 | >$417K | 4.375 | 3.875 | 4.375 | ------ | 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 | 3.000 | 3.250 | APR | 3.900 | 3.169 | 3.629 | 3.090 | 3.043 | 3.284 | | >$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 | APR | 4.040 | 3.257 | 3.922 | 3.248 | 3.421 | 3.638 | | Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.014 | 3.550 | 4.272 | ------ | 3.410 | 3.524 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.950 | 3.500 | 3.625 | 3.875 | APR | 4.276 | 3.599 | 4.014 | 3.564 | 3.657 | 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 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 | 3.750 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 4.000 | 4.375 | ------ | 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 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.871 | 3.119 | 3.532 | 2.998 | 3.016 | 3.256 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.010 | 3.610 | 4.237 | ------ | 3.386 | 3.500 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.500 | 3.500 | 3.625 | 3.875 | APR | 4.246 | 3.548 | 3.524 | 3.491 | 3.628 | 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.375 | 3.625 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.750 | 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 | 3.750 | 3.875 | >$417K | 4.375 | 4.125 | 4.500 | ------ | 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 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.865 | 3.125 | 3.529 | 3.008 | 3.020 | 3.260 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.013 | 3.614 | 4.241 | ------ | 3.389 | 3.502 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.950 | 3.500 | 3.625 | 3.875 | APR | 4.240 | 3.555 | 3.968 | 3.501 | 3.632 | 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 | 4.000 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.750 | 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 | 4.250 | 4.250 | >$417K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.806 | 3.081 | 3.559 | 3.019 | 3.044 | 3.285 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.011 | 3.611 | 4.241 | ------ | 3.385 | 3.498 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 | APR | 4.172 | 3.564 | 3.999 | 3.493 | 3.672 | 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 | 4.125 | 3.500 | 3.950 | 3.375 | 4.250 | 4.250 | >$417K | 4.500 | 4.500 | 4.750 | ------ | 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 | 3.625 | 4.125 | 3.500 | 4.500 | 4.500 | >$417K | 4.500 | 4.500 | 4.750 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.878 | 3.096 | 3.638 | 3.061 | 3.043 | 3.283 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.014 | 3.615 | 4.241 | ------ | 3.389 | 3.503 | | 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 | 3.625 | 3.875 | APR | 4.181 | 3.579 | 4.057 | 3.516 | 3.673 | 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 |