SUMMARY:今天(03月08日星期五)开盘时的房贷利率价格和上个工作日相比基本持平.
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 $453K, 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 | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$453K | 4.500 | 4.000 | ------ | ------ | 4.125 | ------ |
Jumbo | 4.875 | 4.500 | ------ | ------ | 4.375 | 4.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 4.750 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.000 | 3.750 | 4.000 | 4.000 |
APR | 4.280 | 3.802 | 4.070 | 3.825 | 4.040 | 4.050 |
>$453K | 4.375 | 3.875 | ------ | ------ | 4.000 | ------ |
APR | 4.396 | 3.930 | ------ | ------ | 4.031 | ------ |
Jumbo | 4.625 | 3.875 | ------ | ------ | 3.875 | 4.000 |
APR | 4.642 | 3.923 | ------ | ------ | 3.912 | 4.027 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.875 | 4.375 | 4.500 | 4.375 | ------ | ------ |
APR | 4.884 | 4.428 | 4.571 | 4.451 | ------ | ------ |
******************************* MARYLAND ******************************* (Based on Conforming Loan $453K, 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 | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.250 |
>$453K | 4.875 | 4.500 | ------ | ------ | 4.375 | 4.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.000 | 3.750 | 4.000 | 4.000 |
APR | 4.251 | 3.751 | 4.030 | 3.751 | 4.011 | 4.021 |
>$453K | 4.625 | 3.875 | ------ | ------ | 3.875 | 4.000 |
APR | 4.617 | 3.879 | ------ | ------ | 3.888 | 4.002 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.875 | 4.375 | 4.500 | 4.375 | ------ | ------ |
APR | 4.854 | 4.376 | 4.530 | 4.376 | ------ | ------ |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $453K, 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 | |
<=$453K | 4.375 | 4.000 | 4.250 | 4.000 | ------ | ------ |
>$453K | 5.000 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.000 | 3.750 | 4.000 | 4.000 |
APR | 4.244 | 3.758 | 4.035 | 3.761 | 4.015 | 4.025 |
>$453K | 4.625 | 3.875 | ------ | ------ | 3.875 | 4.000 |
APR | 4.619 | 3.884 | ------ | ------ | 3.890 | 4.005 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.375 | 4.500 | 4.375 | ------ | ------ |
APR | 4.776 | 4.383 | 4.536 | 4.386 | ------ | ------ |
******************************* 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 | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 5.500 | 5.125 | 5.625 | ------ | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.625 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.625 | 4.000 | 3.625 | 4.000 | 4.000 |
APR | 4.249 | 3.696 | 4.042 | 3.728 | 4.040 | 4.051 |
>$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
APR | 4.997 | 4.533 | 4.747 | ------ | 4.253 | 4.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.781 | 4.322 | 4.542 | 4.354 | ------ | ------ |
******************************* 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 | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
>$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.875 | 4.500 | 4.750 | 4.500 | ------ | ------ |
>$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.625 | 4.000 | 3.625 | 4.000 | 4.000 |
APR | 4.258 | 3.712 | 4.054 | 3.751 | 4.039 | 4.049 |
>$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
APR | 4.998 | 4.534 | 4.747 | ------ | 4.253 | 4.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.791 | 4.338 | 4.555 | 4.377 | ------ | ------ |
******************************* 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 | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.125 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
>$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.625 | 4.000 | 3.625 | 4.000 | 4.000 |
APR | 4.273 | 3.738 | 4.074 | 3.788 | 4.053 | 4.064 |
>$453K | 4.625 | 3.875 | ------ | ------ | 3.875 | 4.000 |
APR | 4.626 | 3.895 | ------ | ------ | 3.897 | 4.011 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.806 | 4.365 | 4.576 | 4.415 | ------ | ------ |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $453K, 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 | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.250 |
>$453K | 4.875 | 4.500 | ------ | ------ | 4.375 | 4.500 |
Jumbo | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.000 | 3.750 | 4.000 | 4.000 |
APR | 4.250 | 3.750 | 4.029 | 3.750 | 4.010 | 4.021 |
>$453K | 4.625 | 3.875 | ------ | ------ | 3.875 | 4.000 |
APR | 4.616 | 3.879 | ------ | ------ | 3.887 | 4.002 |
Jumbo | 4.625 | 3.875 | ------ | ------ | 3.875 | 4.000 |
APR | 4.611 | 3.870 | ------ | ------ | 3.882 | 3.997 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.875 | 4.375 | 4.500 | 4.375 | ------ | ------ |
APR | 4.853 | 4.375 | 4.529 | 4.375 | ------ | ------ |
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