SUMMARY:今天(12月29日 星期四)开盘时的房贷利率价格和上个工作日相比趋于持平 。目前重新贷款40万左右的利率,30年固定利率稳定在4.125%,15年固定利率稳定至 3.375%,5/1 ARM稳定在3.500%。购房贷款40万左右,30年固定的利率稳定在3.990%, 15年固定利率稳定在3.250%,5/1 ARM降低至2.990%. 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。 (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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.250 | 3.625 | 4.125 | 4.000 | 3.750 | 4.000 | Jumbo | 4.375 | 3.875 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.875 | 3.990 | >$417K | 4.500 | 4.375 | 4.125 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.045 | 3.276 | 3.808 | 3.258 | 3.039 | 3.409 | | >$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 | APR | 4.145 | 3.529 | 4.039 | 3.455 | 3.539 | 3.785 | | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.257 | 3.685 | ------ | ------ | 3.414 | 3.660 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.250 | APR | 4.422 | 3.725 | 4.251 | 3.769 | 4.180 | 4.305 | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.875 | 3.375 | 3.750 | 3.875 | >$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 4.006 | 3.222 | 3.768 | 3.179 | 3.002 | 3.277 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.253 | 3.743 | ------ | ------ | 3.390 | 3.640 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 3.990 | APR | 4.393 | 3.674 | 4.210 | 3.695 | 4.140 | 4.017 | | ******************************* 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 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 4.010 | 3.229 | 3.773 | 3.189 | 3.006 | 3.281 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.256 | 3.747 | ------ | ------ | 3.392 | 3.643 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 3.990 | APR | 4.386 | 3.680 | 4.216 | 3.705 | 4.144 | 4.021 | | ******************************* 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 | 4.250 | 3.500 | 4.000 | 3.500 | 3.875 | 3.990 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 | | 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 | 3.625 | ------ | 4.500 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.038 | 3.241 | 3.807 | 3.255 | 3.032 | 3.402 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.254 | 3.744 | ------ | ------ | 3.388 | 3.638 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | 4.125 | 4.250 | APR | 4.308 | 3.689 | 4.250 | 3.717 | 4.172 | 4.298 | | ******************************* 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 | 3.625 | 4.125 | 3.500 | ------ | 4.500 | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.006 | 3.256 | 3.773 | 3.193 | 3.044 | 3.414 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.257 | 3.748 | ------ | ------ | 3.393 | 3.643 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 | APR | 4.400 | 3.705 | 4.177 | 3.747 | 4.185 | 4.310 | 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 |