SUMMARY:今天(10月6日星期五)開盤時的房貸利率價格和上個工作日相比基本持平. 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impoundaccount的利率。
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 $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.125 | 3.375 | 4.125 | ------ | 4.125 | 4.125 |
Jumbo | 4.125 | 3.750 | ------ | ------ | 4.250 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.250 |
>$424K | 4.500 | 3.990 | 4.500 | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.806 | 3.187 | 3.688 | 3.143 | 3.053 | 3.304 |
>$424K | 3.950 | 3.250 | 3.950 | ------ | 3.625 | 3.750 |
APR | 3.995 | 3.292 | 4.013 | ------ | 3.658 | 3.787 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.750 | 3.875 |
APR | 3.908 | 3.647 | ------ | ------ | 3.793 | 3.918 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.255 | 3.688 | 4.049 | 3.716 | ------ | ------ |
******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.125 | 3.750 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.125 |
>$424K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.777 | 3.137 | 3.648 | 3.070 | 3.026 | 3.276 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.750 | 3.875 |
APR | 3.884 | 3.604 | ------ | ------ | 3.769 | 3.894 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | 4.500 |
APR | 4.225 | 3.637 | 4.009 | 3.642 | ------ | 4.530 |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 4.125 | 4.125 |
>$424K | 4.250 | 3.875 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.500 |
>$424K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.771 | 3.143 | 3.655 | 3.079 | 3.030 | 3.280 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.750 | 3.875 |
APR | 3.886 | 3.608 | ------ | ------ | 3.771 | 3.896 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | 4.500 |
APR | 4.157 | 3.644 | 4.015 | 3.652 | ------ | 4.534 |
******************************* 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: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.500 |
>$424K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.875 | ------ | ------ |
>$424K | 4.250 | 4.125 | 4.375 | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.775 | 3.099 | 3.660 | 3.091 | 3.054 | 3.305 |
>$424K | 4.125 | ------ | ------ | ------ | ------ | ------ |
APR | 4.133 | ------ | ------ | ------ | ------ | ------ |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
APR | 4.161 | 3.582 | 4.021 | 3.619 | ------ | ------ |
******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
>$424K | 4.375 | 4.375 | 4.750 | ------ | 4.375 | 4.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.125 | 3.750 | ------ | ------ |
>$424K | 4.375 | 4.375 | 4.750 | ------ | 4.375 | 4.375 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.784 | 3.167 | 3.672 | 3.114 | 3.052 | 3.303 |
>$424K | 4.125 | ------ | ------ | ------ | ------ | ------ |
APR | 4.131 | ------ | ------ | ------ | ------ | ------ |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
APR | 4.170 | 3.598 | 4.034 | 3.642 | ------ | ------ |
******************************* GEORGIA ******************************* (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: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ |
>$424K | 4.250 | 3.875 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$424K | 4.625 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.799 | 3.193 | 3.692 | 3.151 | 3.066 | 3.317 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.750 | 3.875 |
APR | 3.892 | 3.619 | ------ | ------ | 3.778 | 3.903 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
APR | 4.185 | 3.623 | 4.054 | 3.679 | ------ | ------ |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.125 | 3.750 | ------ | ------ | ------ | ------ |
Jumbo | 4.125 | 3.750 | ------ | ------ | 4.250 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.750 | 3.375 | ------ | 4.125 |
>$424K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.777 | 3.136 | 3.644 | 3.068 | 3.025 | 3.276 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.750 | 3.875 |
APR | 3.883 | 3.603 | ------ | ------ | 3.768 | 3.893 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.750 | 3.875 |
APR | 3.878 | 3.594 | ------ | ------ | 3.763 | 3.889 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | 4.500 |
APR | 4.225 | 3.636 | 4.009 | 3.641 | ------ | 4.529 |
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.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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