SUMMARY:今天(07月03日 星期一)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年固定利率上漲至3.950%,15年固定利率上漲至3. 25%,5/1 ARM穩定在3.375%。購房貸款40萬左右,30年固定的利率上升至3.875%, 15年固定利率穩定在3.000%,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 | 3.950 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 | >$417K | 4.125 | 3.375 | 4.125 | 3.375 | 3.625 | 3.625 | Jumbo | 4.000 | 3.750 | 4.375 | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.750 | 3.990 | >$417K | 4.125 | 3.875 | 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 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.890 | 3.098 | 3.664 | 3.064 | 3.169 | 3.294 | | >$417K | 3.990 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 | APR | 4.031 | 3.271 | 3.903 | 3.267 | 3.516 | 3.519 | | Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | APR | 4.004 | 3.658 | 4.276 | ------ | 3.400 | 3.404 | | 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 | 3.625 | 3.750 | APR | 4.276 | 3.599 | 4.064 | 3.564 | 3.662 | 3.787 | | ******************************* 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 | 3.750 | 3.125 | 3.375 | 3.500 | >$417K | 4.125 | 3.875 | 4.375 | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.750 | 3.875 | >$417K | 4.125 | 3.875 | 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 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.861 | 3.048 | 3.621 | 2.991 | 3.141 | 3.266 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | APR | 3.980 | 3.652 | 4.242 | ------ | 3.377 | 3.381 | | 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 | 3.625 | 3.750 | APR | 4.246 | 3.548 | 4.024 | 3.491 | 3.634 | 3.759 | | ******************************* 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 | 3.625 | 3.750 | >$417K | 4.500 | 4.000 | 4.500 | ------ | 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 | 3.875 | 3.375 | 4.000 | 4.000 | >$417K | 4.875 | 4.250 | 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 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.855 | 3.054 | 3.618 | 3.001 | 3.145 | 3.270 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | APR | 3.982 | 3.657 | 4.246 | ------ | 3.380 | 3.383 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.500 | 3.625 | 3.750 | APR | 4.157 | 3.555 | 4.029 | 3.501 | 3.637 | 3.763 | | ******************************* 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 | 3.750 | 4.125 | >$417K | 4.750 | 4.250 | 4.500 | ------ | 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 | 4.125 | 3.750 | ------ | 4.750 | >$417K | 4.875 | 4.250 | 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 | 3.625 | 2.875 | 3.125 | 3.250 | APR | 3.796 | 3.063 | 3.655 | 3.019 | 3.169 | 3.295 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | APR | 3.978 | 3.650 | 4.247 | ------ | 3.376 | 3.380 | | 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 | 3.750 | APR | 4.161 | 3.564 | 4.036 | 3.493 | 3.683 | 3.808 | | ******************************* 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 | 4.000 | 3.375 | ------ | ------ | >$417K | 5.250 | 4.500 | 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 | 4.250 | 3.625 | 4.125 | 3.500 | ------ | ------ | >$417K | 5.250 | 4.500 | 4.875 | ------ | 4.000 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 | APR | 3.805 | 3.078 | 3.672 | 3.035 | 3.168 | 3.293 | | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | APR | 3.983 | 3.658 | 4.247 | ------ | 3.380 | 3.384 | | 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 | 3.750 | APR | 4.170 | 3.579 | 4.048 | 3.516 | 3.683 | 3.809 | 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 |