SUMMARY:今天(06月16日 星期五)开盘时的房贷利率价格和上个工作日相比略微上涨。目前重新贷款40万左右的利率,30年固定利率稳定在3.875%,15年固定利率稳定在3.125%,5/1 ARM上升在3.250%。购房贷款40万左右,30年固定的利率稳定在3.750%,15年固定利率稳定在2.990%,5/1 ARM上升到3.000%.
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 |
3.875 |
3.125 |
3.625 |
3.000 |
3.250 |
3.375 |
>$417K |
4.000 |
3.250 |
3.875 |
3.375 |
3.500 |
3.500 |
Jumbo |
4.000 |
3.500 |
------ |
------ |
3.375 |
3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
>$417K |
4.125 |
3.750 |
4.250 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.990 |
3.500 |
2.750 |
3.000 |
3.250 |
APR |
3.785 |
3.065 |
3.541 |
2.890 |
3.043 |
3.274 |
|
>$417K |
3.800 |
3.125 |
3.750 |
3.125 |
3.375 |
3.375 |
APR |
3.847 |
3.174 |
3.772 |
3.237 |
3.395 |
3.403 |
|
Jumbo |
3.875 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.882 |
3.389 |
------ |
------ |
3.164 |
3.281 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.990 |
3.375 |
4.125 |
3.875 |
APR |
4.171 |
3.579 |
4.057 |
3.519 |
4.165 |
3.932 |
|
******************************* 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 |
3.875 |
3.125 |
3.625 |
3.000 |
3.250 |
3.375 |
>$417K |
4.000 |
3.625 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.990 |
3.250 |
3.750 |
3.250 |
3.500 |
3.625 |
>$417K |
4.000 |
3.625 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.990 |
3.500 |
2.750 |
3.000 |
3.125 |
APR |
3.751 |
2.997 |
3.502 |
2.817 |
3.016 |
3.148 |
|
>$417K |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.875 |
3.383 |
------ |
------ |
3.260 |
3.267 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.990 |
3.375 |
4.000 |
3.875 |
APR |
4.142 |
3.510 |
4.002 |
3.445 |
4.022 |
3.893 |
|
******************************* 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 |
3.875 |
3.250 |
3.625 |
3.125 |
3.375 |
3.500 |
>$417K |
4.125 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.375 |
3.875 |
3.250 |
3.625 |
3.750 |
>$417K |
4.250 |
3.875 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.990 |
3.500 |
2.750 |
3.000 |
3.125 |
APR |
3.750 |
3.003 |
3.493 |
2.801 |
3.020 |
3.152 |
|
>$417K |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.878 |
3.387 |
------ |
------ |
3.263 |
3.270 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.990 |
3.375 |
4.000 |
3.875 |
APR |
4.136 |
3.517 |
4.008 |
3.450 |
4.026 |
3.897 |
|
******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
3.500 |
3.750 |
>$417K |
4.125 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.625 |
4.000 |
3.500 |
------ |
3.990 |
>$417K |
4.250 |
3.875 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.990 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.681 |
3.052 |
3.546 |
2.962 |
3.028 |
3.272 |
|
>$417K |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.874 |
3.384 |
------ |
------ |
3.261 |
3.266 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.875 |
3.375 |
4.000 |
3.875 |
APR |
4.140 |
3.545 |
3.954 |
3.467 |
4.035 |
3.925 |
|
******************************* 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 |
4.125 |
3.500 |
3.875 |
3.375 |
------ |
4.125 |
>$417K |
4.250 |
4.000 |
------ |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
4.000 |
3.500 |
------ |
4.500 |
>$417K |
4.375 |
------ |
------ |
------ |
3.875 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.990 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.764 |
3.074 |
3.550 |
2.978 |
3.043 |
3.273 |
|
>$417K |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.878 |
3.388 |
------ |
------ |
3.263 |
3.270 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.990 |
3.375 |
4.125 |
3.990 |
APR |
4.149 |
3.561 |
4.065 |
3.490 |
4.163 |
4.028 |
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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