SUMMARY:今天(05月23日 星期二)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年固定利率下降至3.875%,15年固定利率下降在3. 125%,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3.750%, 15年固定利率穩定在3.000%,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 | 3.875 | 3.125 | 3.625 | 3.125 | 3.250 | 3.500 | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | Jumbo | 4.125 | 3.750 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | >$417K | 4.125 | 3.875 | 4.000 | ------ | 3.625 | 3.625 | | 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 | 3.080 | 3.526 | 3.017 | 3.053 | 3.294 | | >$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 | APR | 4.032 | 3.198 | 3.786 | 3.218 | 3.407 | 3.521 | | Jumbo | 4.000 | 3.625 | 4.125 | ------ | 3.375 | 3.375 | APR | 4.008 | 3.671 | 4.147 | ------ | 3.383 | 3.409 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.171 | 3.563 | 3.943 | 3.492 | 3.657 | 3.782 | | ******************************* 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 | 3.875 | 3.125 | 3.625 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.875 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | >$417K | 4.125 | 3.875 | 4.250 | ------ | 3.500 | 3.625 | | 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 | 3.777 | 3.030 | 3.484 | 2.944 | 3.026 | 3.266 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.984 | 3.736 | 4.112 | ------ | 3.360 | 3.385 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.375 | 2.875 | 3.625 | 3.750 | APR | 4.142 | 3.512 | 3.396 | 2.944 | 3.628 | 3.753 | | ******************************* 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.375 | 3.625 | >$417K | 4.625 | 4.000 | 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 | 4.000 | 3.375 | 3.750 | 3.250 | 3.750 | 3.750 | >$417K | 4.750 | 4.000 | 4.375 | ------ | 3.625 | 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 | 3.771 | 3.036 | 3.480 | 2.954 | 3.030 | 3.270 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.986 | 3.740 | 4.116 | ------ | 3.362 | 3.388 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.136 | 3.519 | 3.897 | 3.428 | 3.632 | 3.757 | | ******************************* 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 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | >$417K | 4.750 | 4.125 | 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 | 4.250 | 3.625 | 3.875 | 3.625 | ------ | 4.500 | >$417K | 4.750 | 4.125 | 4.375 | ------ | 3.625 | 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 | 3.775 | 3.045 | 3.511 | 2.966 | 3.054 | 3.295 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.982 | 3.733 | 4.116 | ------ | 3.358 | 3.384 | | INVESTMENT PROPERTY - PURCHASE: | | 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 | 3.750 | APR | 4.140 | 3.475 | 3.928 | 3.440 | 3.672 | 3.798 | | ******************************* 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 | 3.375 | 3.875 | 3.375 | ------ | 4.500 | >$417K | 5.000 | 4.375 | 4.625 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.000 | 3.500 | ------ | ------ | >$417K | 5.000 | 4.375 | 4.625 | ------ | 3.875 | 3.875 | | 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 | 3.784 | 3.060 | 3.535 | 2.989 | 3.052 | 3.293 | | >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.987 | 3.741 | 4.116 | ------ | 3.363 | 3.388 | | 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 | 3.750 | APR | 4.149 | 3.543 | 3.985 | 3.463 | 3.673 | 3.798 | 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 |