SUMMARY:今天(12月26日星期二)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 | 4.000 | 3.375 | 3.750 | 3.375 | 4.125 | 4.250 |
>$424K | 4.125 | 3.625 | 4.125 | ------ | 4.000 | 4.125 |
Jumbo | 4.125 | 4.000 | 4.625 | ------ | 4.000 | 4.125 |
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 | 4.125 | 4.250 |
>$424K | 4.700 | 4.375 | 4.625 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
APR | 3.900 | 3.312 | 3.756 | 3.340 | 3.555 | 3.680 |
>$424K | 3.950 | 3.500 | 3.950 | ------ | 3.875 | 4.000 |
APR | 3.998 | 3.547 | 4.017 | ------ | 3.903 | 4.028 |
Jumbo | 4.000 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
APR | 4.023 | 3.827 | 4.527 | ------ | 3.658 | 3.783 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.297 | 3.920 | 4.078 | 3.940 | 3.912 | 4.038 |
******************************* 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 | 4.000 | 3.375 | 3.750 | 3.375 | 4.000 | 4.125 |
>$424K | 4.250 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
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 | 4.000 | 4.125 |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
APR | 3.871 | 3.262 | 3.717 | 3.267 | 3.527 | 3.652 |
>$424K | 4.000 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
APR | 3.998 | 3.784 | 4.492 | ------ | 3.633 | 3.759 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.267 | 3.869 | 4.038 | 3.866 | 3.884 | 4.009 |
******************************* 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 | 3.500 | 3.875 | 3.500 | 4.250 | 4.250 |
>$424K | 4.250 | 4.500 | 4.750 | ------ | 4.125 | 4.250 |
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 | 4.250 | 4.250 |
>$424K | 5.000 | 4.500 | 4.750 | ------ | 4.125 | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
APR | 3.865 | 3.268 | 3.722 | 3.277 | 3.530 | 3.656 |
>$424K | 4.000 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
APR | 4.001 | 3.788 | 4.496 | ------ | 3.636 | 3.761 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.261 | 3.875 | 4.044 | 3.876 | 3.888 | 4.013 |
******************************* 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 | 3.500 | 3.875 | 3.500 | ------ | 5.000 |
>$424K | 4.500 | 4.500 | 4.750 | ------ | 4.125 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 4.125 | 4.250 | ------ | ------ | 5.000 |
>$424K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.250 | 3.625 | 3.125 | 3.500 | 3.625 |
APR | 3.806 | 3.277 | 3.689 | 3.243 | 3.555 | 3.681 |
>$424K | 4.250 | 4.125 | 4.500 | ------ | 3.875 | 4.000 |
APR | 4.257 | 4.158 | 4.497 | ------ | 3.878 | 4.003 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.750 | 4.000 | 3.750 | 3.875 | 4.000 |
APR | 4.182 | 3.832 | 4.050 | 3.869 | 3.933 | 4.059 |
******************************* 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 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$424K | 5.375 | 4.750 | 5.125 | ------ | 4.750 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ |
>$424K | 5.375 | 4.750 | 5.125 | ------ | 4.750 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.625 | 3.125 | 3.500 | 3.625 |
APR | 3.878 | 3.292 | 3.701 | 3.266 | 3.554 | 3.679 |
>$424K | 4.250 | 4.125 | 4.500 | ------ | 3.875 | 4.000 |
APR | 4.259 | 4.158 | 4.497 | ------ | 3.878 | 4.003 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | 3.875 | 4.000 |
APR | 4.275 | 3.848 | 4.063 | 3.892 | 3.934 | 4.060 |
******************************* 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 | 4.125 | 3.625 | 4.000 | 3.625 | ------ | 5.000 |
>$424K | 4.375 | 4.500 | 4.875 | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.875 | 4.000 | 3.875 | ------ | 5.000 |
>$424K | 5.125 | 4.500 | 4.875 | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.625 | 3.125 | 3.500 | 3.625 |
APR | 3.893 | 3.318 | 3.721 | 3.303 | 3.568 | 3.694 |
>$424K | 4.000 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
APR | 4.007 | 3.800 | 4.505 | ------ | 3.642 | 3.767 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | 3.875 | 4.000 |
APR | 4.289 | 3.874 | 4.083 | 3.930 | 3.949 | 4.074 |
******************************* 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 | 4.000 | 3.375 | 3.750 | 3.375 | 4.000 | 4.125 |
>$424K | 4.250 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
Jumbo | 4.125 | 4.000 | 4.625 | ------ | 4.000 | 4.125 |
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 | 4.000 | 4.125 |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
APR | 3.871 | 3.261 | 3.716 | 3.266 | 3.526 | 3.651 |
>$424K | 4.000 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
APR | 3.998 | 3.783 | 4.492 | ------ | 3.633 | 3.758 |
Jumbo | 4.000 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
APR | 3.993 | 3.774 | 4.484 | ------ | 3.628 | 3.753 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.875 | 4.000 | 3.875 | 3.875 | 4.000 |
APR | 4.267 | 3.868 | 4.037 | 3.864 | 3.883 | 4.008 |
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