SUMMARY:今天(11月14日 星期一)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率,30年固定利率上升至3.875%,15年固定利率上升至
3.000%,5/1 ARM下降至3.250%。购房贷款40万左右,30年固定的利率上升至3.750%,
15年固定利率上升至2.875%,5/1 ARM上升至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 |
3.000 |
3.750 |
3.000 |
3.250 |
3.500 |
>$417K |
4.125 |
3.250 |
4.000 |
3.250 |
3.500 |
3.625 |
Jumbo |
4.000 |
4.000 |
------ |
------ |
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 |
3.875 |
3.250 |
3.625 |
4.000 |
>$417K |
4.750 |
3.875 |
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 |
2.875 |
3.625 |
2.875 |
3.000 |
3.375 |
APR |
3.775 |
2.937 |
3.633 |
2.965 |
3.047 |
3.410 |
|
>$417K |
3.950 |
3.125 |
3.875 |
3.250 |
3.250 |
3.375 |
APR |
3.992 |
3.170 |
3.892 |
3.215 |
3.283 |
3.405 |
|
Jumbo |
3.875 |
3.250 |
------ |
------ |
3.125 |
3.250 |
APR |
3.900 |
3.303 |
------ |
------ |
3.154 |
3.273 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.990 |
3.375 |
4.125 |
4.375 |
APR |
4.140 |
3.419 |
4.015 |
3.439 |
4.177 |
4.423 |
|
******************************* 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 |
3.000 |
3.750 |
3.000 |
3.250 |
3.500 |
>$417K |
4.125 |
4.250 |
------ |
------ |
3.375 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.125 |
3.500 |
3.875 |
>$417K |
4.250 |
4.375 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.875 |
3.500 |
2.875 |
3.000 |
3.375 |
APR |
3.746 |
2.887 |
3.539 |
2.892 |
3.013 |
3.373 |
|
>$417K |
4.000 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.987 |
3.391 |
------ |
------ |
3.135 |
3.261 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.875 |
3.375 |
4.125 |
4.250 |
APR |
4.111 |
3.369 |
3.913 |
3.366 |
4.140 |
4.279 |
|
******************************* 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 |
3.125 |
3.750 |
3.125 |
3.375 |
3.500 |
>$417K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
3.750 |
4.125 |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.875 |
3.500 |
2.875 |
3.000 |
3.375 |
APR |
3.740 |
2.893 |
3.545 |
2.902 |
3.017 |
3.376 |
|
>$417K |
4.000 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.990 |
3.396 |
------ |
------ |
3.137 |
3.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.875 |
3.375 |
4.125 |
4.250 |
APR |
4.104 |
3.375 |
3.918 |
3.376 |
4.144 |
4.283 |
|
******************************* 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 |
3.875 |
3.250 |
3.875 |
3.250 |
3.500 |
4.000 |
>$417K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
3.990 |
3.375 |
------ |
------ |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.750 |
3.625 |
2.750 |
3.000 |
3.375 |
APR |
3.681 |
2.848 |
3.623 |
2.893 |
3.025 |
3.403 |
|
>$417K |
4.000 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.988 |
3.392 |
------ |
------ |
3.133 |
3.259 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.875 |
3.250 |
4.125 |
4.375 |
APR |
4.047 |
3.331 |
3.954 |
3.368 |
4.153 |
4.416 |
|
******************************* 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 |
4.000 |
3.250 |
3.875 |
3.250 |
------ |
------ |
>$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
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 |
------ |
------ |
>$417K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
2.875 |
3.625 |
2.875 |
3.000 |
3.375 |
APR |
3.753 |
2.917 |
3.633 |
2.936 |
3.044 |
3.416 |
|
>$417K |
4.000 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.990 |
3.397 |
------ |
------ |
3.138 |
3.264 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.990 |
3.250 |
4.125 |
4.375 |
APR |
4.056 |
3.347 |
4.023 |
3.391 |
4.173 |
4.429 |
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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