SUMMARY:今天(03月22日 星期三)开盘时的房贷利率价格和上个工作日相比持平 。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年固定利率稳定在3. 250%,5/1 ARM稳定在3.250%。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稳定在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 | 4.125 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 | >$417K | 4.200 | 3.375 | 4.000 | 3.250 | 3.750 | 3.990 | Jumbo | 4.250 | 3.750 | 4.500 | ------ | 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 | 3.375 | 3.875 | 3.375 | 3.500 | 3.750 | >$417K | 4.500 | 4.000 | 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 | 3.250 | APR | 4.030 | 3.240 | 3.750 | 3.179 | 3.036 | 3.289 | | >$417K | 4.050 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | APR | 4.078 | 3.295 | 3.933 | 3.245 | 3.539 | 3.664 | | Jumbo | 4.125 | 3.625 | 4.375 | ------ | 3.500 | 3.625 | APR | 4.153 | 3.652 | 4.398 | ------ | 3.534 | 3.649 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 | APR | 4.411 | 3.725 | 4.179 | 3.644 | 3.782 | 4.031 | | ******************************* 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 | 3.250 | 3.750 | 3.125 | 3.125 | 3.500 | >$417K | 4.375 | 4.000 | 4.500 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.200 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | >$417K | 4.375 | 4.000 | 4.500 | ------ | 3.875 | 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 | 3.000 | 2.990 | 3.250 | APR | 3.970 | 3.190 | 3.708 | 3.060 | 2.999 | 3.252 | | >$417K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 | APR | 4.227 | 3.645 | 4.362 | ------ | 3.514 | 3.632 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.381 | 3.659 | 4.128 | 3.570 | 3.753 | 3.903 | | ******************************* 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 | 3.375 | 3.625 | >$417K | 4.500 | 4.125 | 4.625 | ------ | 4.000 | 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 | 3.950 | 3.375 | 3.625 | 3.875 | >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.000 | 2.990 | 3.250 | APR | 3.971 | 3.196 | 3.655 | 3.070 | 3.002 | 3.255 | | >$417K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 | APR | 4.230 | 3.650 | 4.366 | ------ | 3.516 | 3.635 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.375 | 3.666 | 4.133 | 3.580 | 3.757 | 3.907 | | ******************************* 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 | 3.950 | 3.375 | 3.500 | 3.750 | >$417K | 4.500 | 4.125 | 4.625 | ------ | 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 | 3.625 | 4.125 | 3.625 | 4.000 | 4.125 | >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.625 | 3.000 | 2.990 | 3.250 | APR | 3.994 | 3.224 | 3.683 | 3.091 | 3.029 | 3.280 | | >$417K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 | APR | 4.228 | 3.646 | 4.366 | ------ | 3.512 | 3.631 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 | APR | 4.297 | 3.689 | 4.164 | 3.592 | 3.790 | 4.023 | | ******************************* 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 | 4.125 | 4.125 | >$417K | 4.625 | 4.625 | 4.875 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | 4.625 | 4.500 | >$417K | 4.625 | 4.625 | 4.875 | ------ | 4.375 | 4.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.000 | 2.990 | 3.250 | APR | 4.035 | 3.220 | 3.759 | 3.135 | 3.041 | 3.293 | | >$417K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 | APR | 4.230 | 3.651 | 4.366 | ------ | 3.517 | 3.636 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 | APR | 4.306 | 3.705 | 4.191 | 3.615 | 3.798 | 4.036 | 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 |