SUMMARY:今天(12月14日 星期三)开盘时的房贷利率价格和上个工作日相比略微下降
。目前重新贷款40万左右的利率,30年固定利率稳定在4.000%,15年固定利率稳定至
3.250%,5/1 ARM下降在3.375%。购房贷款40万左右,30年固定的利率稳定在3.950%,
15年固定利率上涨在3.250%,5/1 ARM稳定在3.125%.
注:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带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 |
4.000 |
3.250 |
3.875 |
3.250 |
3.375 |
3.750 |
>$417K |
4.250 |
3.500 |
4.000 |
3.375 |
3.625 |
3.750 |
Jumbo |
4.250 |
4.000 |
------ |
------ |
3.500 |
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 |
4.000 |
3.375 |
3.750 |
3.990 |
>$417K |
4.375 |
------ |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.950 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
APR |
4.003 |
3.204 |
3.793 |
3.205 |
3.161 |
3.410 |
|
>$417K |
4.125 |
3.375 |
3.875 |
3.500 |
3.375 |
3.625 |
APR |
4.158 |
3.404 |
3.918 |
3.588 |
3.407 |
3.648 |
|
Jumbo |
4.250 |
3.750 |
------ |
------ |
3.250 |
3.500 |
APR |
4.254 |
3.824 |
------ |
------ |
3.279 |
3.528 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.250 |
4.375 |
APR |
4.307 |
3.599 |
4.173 |
3.644 |
4.301 |
4.420 |
|
******************************* 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 |
4.000 |
3.250 |
3.875 |
3.250 |
3.375 |
3.500 |
>$417K |
4.375 |
------ |
------ |
------ |
3.500 |
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 |
4.000 |
3.375 |
3.625 |
3.875 |
>$417K |
4.375 |
------ |
------ |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.950 |
3.250 |
3.750 |
3.125 |
2.990 |
3.250 |
APR |
3.963 |
3.154 |
3.754 |
3.099 |
3.015 |
3.278 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.250 |
3.500 |
APR |
4.229 |
3.999 |
------ |
------ |
3.255 |
3.504 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.125 |
4.250 |
APR |
4.278 |
3.548 |
4.126 |
3.570 |
4.149 |
4.275 |
|
******************************* 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 |
4.125 |
3.250 |
3.990 |
3.250 |
3.500 |
3.750 |
>$417K |
------ |
------ |
------ |
------ |
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 |
4.000 |
3.500 |
3.875 |
4.125 |
>$417K |
------ |
------ |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.250 |
3.750 |
3.125 |
2.990 |
3.250 |
APR |
3.906 |
3.160 |
3.759 |
3.109 |
3.018 |
3.282 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.250 |
3.500 |
APR |
4.232 |
4.003 |
------ |
------ |
3.258 |
3.507 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.250 |
4.250 |
APR |
4.271 |
3.555 |
4.131 |
3.580 |
4.270 |
4.279 |
|
******************************* 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 |
4.125 |
3.375 |
4.000 |
3.375 |
3.625 |
4.000 |
>$417K |
------ |
------ |
------ |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.750 |
4.125 |
3.750 |
------ |
------ |
>$417K |
------ |
------ |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.750 |
3.125 |
3.125 |
3.375 |
APR |
3.911 |
3.206 |
3.776 |
3.175 |
3.151 |
3.403 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.250 |
3.500 |
APR |
4.227 |
3.996 |
------ |
------ |
3.254 |
3.503 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.125 |
4.375 |
APR |
4.276 |
3.564 |
4.143 |
3.592 |
4.167 |
4.412 |
|
******************************* 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 |
4.250 |
3.500 |
4.125 |
3.500 |
------ |
------ |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.625 |
4.250 |
3.625 |
------ |
------ |
>$417K |
4.625 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
3.920 |
3.222 |
3.758 |
3.094 |
3.166 |
3.415 |
|
>$417K |
4.250 |
4.000 |
------ |
------ |
3.250 |
3.500 |
APR |
4.232 |
4.004 |
------ |
------ |
3.258 |
3.507 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.250 |
4.375 |
APR |
4.285 |
3.579 |
4.171 |
3.615 |
4.299 |
4.425 |
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:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款
,需要收point才能做。
奇虎贷款NMLS ID: 1169300
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