SUMMARY：今天（04月17日 星期一)开盘时的房贷利率价格和上个工作日相比略微下降
。目前重新贷款40万左右的利率，30年固定利率下降到3.875%，15年固定利率稳定在3.
250%，5/1 ARM稳定在3.125%。购房贷款40万左右，30年固定的利率上升到3.750%，
15年固定利率稳定在3.000%，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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.125 | 3.375 | | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 | | Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | | >$417K | 4.250 | 3.625 | 4.250 | 4.125 | 3.750 | 3.750 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | | APR | 3.806 | 3.098 | 3.548 | 3.001 | 3.034 | 3.274 | | | | >$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 | | APR | 4.028 | 3.198 | 3.802 | 3.209 | 3.295 | 3.535 | | | | Jumbo | 4.000 | 3.375 | 4.125 | ------ | 3.375 | 3.375 | | APR | 4.016 | 3.435 | 4.147 | ------ | 3.402 | 3.414 | | | | 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 | 3.625 | 3.750 | | APR | 4.182 | 3.544 | 3.947 | 3.492 | 3.657 | 3.782 | | | ******************************* 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 | 3.250 | 3.625 | 3.125 | 3.125 | 3.375 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | | >$417K | 4.250 | 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 | 3.000 | 3.500 | 2.875 | 2.990 | 3.250 | | APR | 3.777 | 3.048 | 3.505 | 2.923 | 3.016 | 3.247 | | | | >$417K | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.375 | | APR | 4.013 | 3.491 | 4.112 | ------ | 3.378 | 3.390 | | | | 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 | 3.625 | 3.750 | | APR | 4.153 | 3.494 | 3.904 | 3.419 | 3.628 | 3.753 | | | ******************************* 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.250 | 3.500 | | >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.750 | 3.750 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 4.125 | 3.375 | 3.750 | 3.250 | 3.750 | 3.750 | | >$417K | 4.375 | 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 | | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 2.990 | 3.250 | | APR | 3.771 | 3.054 | 3.502 | 2.911 | 3.020 | 3.250 | | | | >$417K | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.375 | | APR | 4.015 | 3.495 | 4.116 | ------ | 3.381 | 3.393 | | | | 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 | 3.625 | 3.750 | | APR | 4.146 | 3.500 | 3.901 | 3.428 | 3.632 | 3.757 | | | ******************************* 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 | 3.625 | 3.625 | | >$417K | 4.250 | 3.875 | 4.375 | ------ | 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 | 3.500 | 3.875 | 3.500 | 4.250 | 4.125 | | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.875 | 3.875 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | | APR | 3.775 | 3.063 | 3.532 | 2.973 | 3.034 | 3.266 | | | | >$417K | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.375 | | APR | 4.013 | 3.492 | 4.116 | ------ | 3.377 | 3.388 | | | | 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 | 3.625 | 3.750 | | APR | 4.151 | 3.475 | 3.932 | 3.440 | 3.672 | 3.798 | | | ******************************* 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 | 3.375 | 3.875 | 3.375 | 4.250 | 4.125 | | >$417K | 4.500 | 4.250 | 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 | 4.125 | 3.500 | 4.500 | 4.500 | | >$417K | 4.500 | 4.375 | 4.625 | ------ | 4.125 | 4.125 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | | APR | 3.784 | 3.078 | 3.553 | 2.992 | 3.033 | 3.273 | | | | >$417K | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.375 | | APR | 4.016 | 3.496 | 4.116 | ------ | 3.381 | 3.393 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.750 | | APR | 4.160 | 3.524 | 3.987 | 3.463 | 3.673 | 3.798 | |
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 |
