SUMMARY:今天(05月30日 星期二)開盤時的房貸利率價格和上個工作日相比略微上漲 。目前重新貸款40萬左右的利率,30年固定利率穩定在3.875%,15年固定利率穩定在3. 125%,5/1 ARM穩定在3.250%。購房貸款40萬左右,30年固定的利率穩定在3.750%, 15年固定利率穩定在2.990%,5/1 ARM穩定在2.990%.
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 | 3.500 | 3.000 | 3.250 | 3.500 | >$417K | 3.990 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | Jumbo | 4.000 | 3.625 | 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 | 3.950 | 3.250 | 3.625 | 3.250 | 3.500 | 3.625 | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 2.990 | 3.125 | APR | 3.785 | 3.061 | 3.502 | 2.990 | 3.041 | 3.174 | | >$417K | 3.800 | 3.125 | 3.750 | 3.000 | 3.250 | 3.375 | APR | 3.838 | 3.170 | 3.761 | 3.059 | 3.289 | 3.416 | | Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.896 | 3.570 | 4.147 | ------ | 3.385 | 3.412 | | 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 | 4.161 | 3.544 | 3.912 | 3.466 | 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 | 3.500 | 3.000 | 3.250 | 3.375 | >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.250 | 3.500 | 3.625 | >$417K | 4.000 | 3.750 | 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 | 2.990 | 3.500 | 2.875 | 2.990 | 3.125 | APR | 3.757 | 2.993 | 3.460 | 2.903 | 3.004 | 3.137 | | >$417K | 3.875 | 3.625 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.871 | 3.623 | 4.112 | ------ | 3.361 | 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 | 4.132 | 3.495 | 3.869 | 3.392 | 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 | >$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 | 3.250 | 3.750 | 3.250 | 3.625 | 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 | 2.990 | 3.375 | 2.875 | 2.990 | 3.125 | APR | 3.750 | 2.999 | 3.406 | 2.913 | 3.007 | 3.141 | | >$417K | 3.875 | 3.625 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.874 | 3.628 | 4.116 | ------ | 3.364 | 3.391 | | 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 | 4.125 | 3.501 | 3.866 | 3.402 | 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 | 3.500 | 3.750 | >$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 | 4.125 | 3.500 | 3.875 | 3.500 | 4.125 | 3.990 | >$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 | 2.875 | 3.375 | 2.875 | 2.990 | 3.125 | APR | 3.755 | 2.973 | 3.436 | 2.935 | 3.034 | 3.167 | | >$417K | 3.875 | 3.625 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.870 | 3.620 | 4.116 | ------ | 3.359 | 3.387 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | APR | 4.130 | 3.457 | 3.896 | 3.368 | 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 | 3.250 | 4.125 | 3.990 | >$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 | 4.125 | 3.500 | 3.950 | 3.500 | ------ | 4.375 | >$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 | 2.990 | 3.500 | 2.875 | 2.990 | 3.125 | APR | 3.764 | 3.070 | 3.511 | 2.962 | 3.046 | 3.180 | | >$417K | 3.875 | 3.625 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.874 | 3.628 | 4.116 | ------ | 3.364 | 3.391 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | APR | 4.139 | 3.472 | 3.920 | 3.391 | 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 |