方圓貸款今日房貸利率(CA、FL、MD、TX、VA) |
SUMMARY:今天(11月29日星期五)開盤時的房貸利率價格和昨日相比持平。目前重新貸款40萬左右的利率,30年固定穩定在4.375%,15 年固定穩定在3.375%,5/1 ARM穩定在3.125%。購房貸款40萬左右,30年固定的利率穩定在4.25%,15年固定穩定在3.25%,5/1 ARM穩定在2.75%。
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。
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******************************* CALIFORNIA *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K.
See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.375 |
4.250 |
3.250 |
3.125 |
3.625 |
>$417K |
4.500 |
3.500 |
------ |
------ |
3.125 |
3.375 |
Jumbo |
4.875 |
3.750 |
------ |
------ |
3.125 |
3.250 |
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PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.375 |
4.250 |
3.375 |
3.125 |
3.625 |
>$417K |
------ |
------ |
------ |
------ |
3.125 |
3.250 |
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PRIMARY RESIDENCE - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.250 |
4.125 |
3.125 |
2.750 |
3.250 |
APR |
4.298 |
3.333 |
4.191 |
3.246 |
2.794 |
3.296 |
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>$417K |
4.375 |
3.375 |
------ |
------ |
2.875 |
3.250 |
APR |
4.442 |
3.490 |
------ |
------ |
2.937 |
3.313 |
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Jumbo |
4.625 |
3.625 |
------ |
------ |
3.000 |
3.125 |
APR |
4.685 |
3.727 |
------ |
------ |
3.054 |
3.180 |
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INVESTMENT PROPERTY - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.625 |
3.500 |
4.375 |
3.500 |
2.875 |
3.625 |
APR |
4.711 |
3.646 |
4.492 |
3.712 |
2.920 |
3.672 |
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****************************** MARYLAND ******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K.
See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.375 |
4.250 |
3.250 |
3.125 |
3.625 |
>$417K |
4.500 |
3.500 |
------ |
------ |
3.125 |
3.375 |
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PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.375 |
4.250 |
3.375 |
3.250 |
3.750 |
>$417K |
------ |
------ |
------ |
------ |
3.250 |
3.500 |
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PRIMARY RESIDENCE - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.250 |
4.125 |
3.125 |
2.750 |
3.250 |
APR |
4.285 |
3.310 |
4.173 |
3.212 |
2.794 |
3.296 |
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>$417K |
4.375 |
3.375 |
------ |
------ |
2.875 |
3.250 |
APR |
4.442 |
3.490 |
------ |
------ |
2.937 |
3.313 |
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INVESTMENT PROPERTY - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.625 |
3.500 |
4.375 |
3.500 |
2.875 |
3.625 |
APR |
4.711 |
3.646 |
4.492 |
3.712 |
2.920 |
3.672 |
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******************************** VIRGINIA ********************************
(Based on Conforming loan $380K, High-Balance loan $550K.
See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.375 |
4.250 |
3.375 |
3.250 |
3.750 |
>$417K |
4.500 |
3.625 |
------ |
------ |
3.250 |
3.500 |
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PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.500 |
4.250 |
3.375 |
3.250 |
3.750 |
>$417K |
------ |
------ |
------ |
------ |
3.250 |
3.500 |
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PRIMARY RESIDENCE - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.250 |
4.125 |
3.125 |
2.750 |
3.250 |
APR |
4.284 |
3.308 |
4.171 |
3.209 |
2.794 |
3.296 |
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>$417K |
4.375 |
3.375 |
------ |
------ |
2.875 |
3.250 |
APR |
4.442 |
3.490 |
------ |
------ |
2.937 |
3.313 |
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INVESTMENT PROPERTY - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.500 |
3.500 |
4.375 |
3.500 |
2.875 |
3.625 |
APR |
4.586 |
3.646 |
4.492 |
3.712 |
2.920 |
3.672 |
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******************************** TEXAS ********************************
(Based on Conforming Loan $200K, Jumbo Loan $500K.
See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.500 |
3.500 |
4.250 |
3.375 |
3.250 |
3.750 |
>$417K |
4.500 |
3.500 |
------ |
------ |
3.250 |
3.500 |
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PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
------ |
------ |
------ |
------ |
------ |
------ |
>$417K |
------ |
------ |
------ |
------ |
------ |
------ |
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PRIMARY RESIDENCE - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.250 |
4.125 |
3.250 |
3.125 |
3.500 |
APR |
4.307 |
3.349 |
4.204 |
3.394 |
3.179 |
3.555 |
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>$417K |
4.250 |
3.375 |
------ |
------ |
2.875 |
3.250 |
APR |
4.273 |
3.415 |
------ |
------ |
2.937 |
3.313 |
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INVESTMENT PROPERTY - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.500 |
3.625 |
4.500 |
3.500 |
2.875 |
3.625 |
APR |
4.586 |
3.672 |
4.549 |
3.600 |
2.920 |
3.672 |
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******************************** FLORIDA ********************************
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only.
See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.750 |
3.625 |
4.375 |
3.375 |
3.250 |
------ |
>$417K |
4.500 |
3.500 |
------ |
------ |
3.250 |
------ |
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PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
------ |
------ |
------ |
------ |
------ |
------ |
>$417K |
------ |
------ |
------ |
------ |
------ |
------ |
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PRIMARY RESIDENCE - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.250 |
4.125 |
3.250 |
2.875 |
3.250 |
APR |
4.309 |
3.351 |
4.206 |
3.397 |
2.929 |
3.306 |
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>$417K |
4.375 |
3.375 |
------ |
------ |
2.875 |
------ |
APR |
4.399 |
3.416 |
------ |
------ |
2.937 |
------ |
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INVESTMENT PROPERTY - PURCHASE: |
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30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.500 |
3.625 |
4.500 |
3.500 |
2.875 |
3.625 |
APR |
4.586 |
3.672 |
4.549 |
3.500 |
2.920 |
3.672 |
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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):
- <=70% 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. (not first home buyer for purchase)
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=760;
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。 |