SUMMARY:今天(9月14日星期四)的房贷利率价格和昨天基本持平。 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 $424K, High-Balance Loan $636K, 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 | <=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 | >$424K | 3.990 | 3.250 | 3.990 | ------ | 3.500 | 3.750 | Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 3.625 | 3.875 | >$424K | 4.375 | 3.750 | 4.125 | ------ | 3.500 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.670 | 2.973 | 3.534 | 2.892 | 3.034 | 3.179 | | >$424K | 3.800 | 3.125 | 3.750 | ------ | 3.375 | 3.500 | APR | 3.837 | 3.189 | 3.810 | ------ | 3.402 | 3.528 | | Jumbo | 3.750 | 3.375 | 4.000 | ------ | 3.250 | 3.250 | APR | 3.783 | 3.421 | 4.026 | ------ | 3.265 | 3.280 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.057 | 3.474 | 3.924 | 3.492 | 3.411 | 3.662 | | ******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | <=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 | >$424K | 4.000 | 3.625 | 4.125 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 | >$424K | 4.125 | 3.750 | 4.125 | ------ | 3.500 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.642 | 2.923 | 3.480 | 2.819 | 3.006 | 3.151 | | >$424K | 3.750 | 3.500 | 4.000 | ------ | 3.250 | 3.375 | APR | 3.759 | 3.484 | 3.993 | ------ | 3.262 | 3.373 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.028 | 3.423 | 3.884 | 3.419 | 3.384 | 3.634 | | ******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.375 | 3.625 | >$424K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.950 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 | >$424K | 4.125 | 3.875 | 4.250 | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.635 | 2.929 | 3.485 | 2.829 | 3.010 | 3.155 | | >$424K | 3.750 | 3.500 | 4.000 | ------ | 3.250 | 3.375 | APR | 3.761 | 3.489 | 3.996 | ------ | 3.264 | 3.375 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.021 | 3.430 | 3.890 | 3.428 | 3.387 | 3.637 | | ******************************* 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 | <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 4.125 | 3.990 | >$424K | 4.125 | 3.875 | 4.250 | ------ | 3.625 | 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 | 3.875 | 3.625 | ------ | 4.375 | >$424K | 4.125 | 3.875 | 4.250 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.640 | 2.937 | 3.507 | 2.841 | 3.034 | 3.179 | | >$424K | 3.875 | 3.500 | 4.000 | ------ | 3.250 | 3.375 | APR | 3.868 | 3.486 | 3.997 | ------ | 3.262 | 3.373 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.026 | 3.438 | 3.896 | 3.440 | 3.432 | 3.683 | | ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo 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 | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.375 | >$424K | 4.250 | 4.125 | 4.625 | ------ | 4.250 | 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 | 4.000 | 3.500 | ------ | ------ | >$424K | 4.375 | 4.250 | 4.625 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.649 | 2.953 | 3.520 | 2.863 | 3.033 | 3.178 | | >$424K | 3.875 | 3.500 | 4.000 | ------ | 3.250 | 3.375 | APR | 3.870 | 3.490 | 3.997 | ------ | 3.265 | 3.376 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.035 | 3.454 | 3.909 | 3.463 | 3.432 | 3.683 | | ******************************* GEORGIA ******************************* (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 | <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 4.125 | 4.000 | >$424K | 4.125 | 3.875 | 4.375 | ------ | 3.750 | 3.875 | | 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 | ------ | 4.500 | >$424K | 4.250 | 4.000 | 4.375 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.663 | 2.978 | 3.539 | 2.900 | 3.047 | 3.192 | | >$424K | 3.750 | 3.500 | 4.000 | ------ | 3.250 | 3.375 | APR | 3.767 | 3.500 | 4.005 | ------ | 3.270 | 3.382 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 | APR | 4.049 | 3.480 | 3.929 | 3.500 | 3.544 | 3.698 | | ******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, 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 | <=$424K | 3.750 | 3.000 | 3.500 | 3.000 | 3.125 | 3.375 | >$424K | 4.000 | 3.625 | 4.125 | ------ | 3.500 | 3.625 | Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 | >$424K | 4.125 | 3.750 | 4.125 | ------ | 3.500 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.641 | 2.922 | 3.474 | 2.818 | 3.006 | 3.151 | | >$424K | 3.750 | 3.500 | 4.000 | ------ | 3.250 | 3.375 | APR | 3.758 | 3.484 | 3.992 | ------ | 3.261 | 3.372 | | Jumbo | 3.750 | 3.375 | 4.000 | ------ | 3.250 | 3.250 | APR | 3.753 | 3.369 | 3.985 | ------ | 3.236 | 3.251 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.027 | 3.422 | 3.888 | 3.417 | 3.383 | 3.633 | 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 |