SUMMARY:今天(09月29日星期五)开盘时的房贷利率价格和上个工作日相比略有下降.
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) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.125 | 3.625 | 3.125 | 3.250 | 3.500 | |
>$424K | 4.000 | 3.250 | 4.000 | ------ | ------ | 4.375 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.875 | 3.250 | 3.750 | 3.250 | ------ | 4.000 | |
>$424K | 4.500 | ------ | 4.375 | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.754 | 3.062 | 3.563 | 3.017 | 3.053 | 3.304 |
>$424K | 3.875 | 3.250 | 3.875 | ------ | 4.250 | 4.125 |
APR | 3.922 | 3.260 | 3.898 | ------ | 4.291 | 4.165 |
Jumbo | 3.750 | 3.375 | ------ | ------ | 3.250 | 3.375 |
APR | 3.777 | 3.437 | ------ | ------ | 3.279 | 3.394 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.500 | 3.875 | 3.500 | ------ | ------ | |
APR | 4.150 | 3.563 | 3.939 | 3.591 | ------ | ------ |
******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.125 | 3.625 | 3.125 | 3.250 | 3.500 | |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.875 | 3.250 | 3.750 | 3.250 | ------ | 4.000 | |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.726 | 3.012 | 3.523 | 2.944 | 3.026 | 3.276 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.856 | 3.499 | ------ | ------ | 3.373 | 3.390 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.500 | 3.875 | 3.500 | ------ | ------ | |
APR | 4.121 | 3.512 | 3.899 | 3.517 | ------ | ------ |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.875 | 3.250 | 3.750 | 3.125 | 3.875 | 3.875 | |
>$424K | 4.125 | 3.875 | ------ | ------ | ------ | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.375 | 3.750 | 3.375 | ------ | 4.125 | |
>$424K | 4.125 | 4.000 | ------ | ------ | ------ | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.720 | 3.018 | 3.529 | 2.954 | 3.030 | 3.280 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.859 | 3.504 | ------ | ------ | 3.376 | 3.393 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.500 | 3.875 | 3.500 | ------ | ------ | |
APR | 4.031 | 3.519 | 3.904 | 3.527 | ------ | ------ |
******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.875 | 3.250 | 3.750 | 3.250 | ------ | 4.125 | |
>$424K | 4.125 | 3.875 | ------ | ------ | ------ | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.250 | 3.625 | 4.125 | 3.625 | ------ | ------ | |
>$424K | 4.125 | 4.000 | ------ | ------ | ------ | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.671 | 2.973 | 3.535 | 2.966 | 3.054 | 3.305 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.857 | 3.501 | ------ | ------ | 3.374 | 3.391 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ | |
APR | 4.036 | 3.457 | 3.911 | 3.493 | ------ | ------ |
******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ | |
>$424K | 4.250 | 4.125 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ | |
>$424K | 4.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.679 | 3.042 | 3.547 | 2.989 | 3.052 | 3.303 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.890 | 3.505 | ------ | ------ | 3.376 | 3.394 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ | |
APR | 4.045 | 3.472 | 3.923 | 3.516 | ------ | ------ |
******************************* GEORGIA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.250 | 3.750 | 3.250 | ------ | ------ | |
>$424K | 4.125 | 3.875 | ------ | ------ | ------ | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.500 | 3.875 | 3.500 | ------ | ------ | |
>$424K | 4.125 | 4.000 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.694 | 3.067 | 3.567 | 3.025 | 3.066 | 3.317 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.865 | 3.515 | ------ | ------ | 3.382 | 3.399 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ | |
APR | 4.060 | 3.498 | 3.943 | 3.553 | ------ | ------ |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
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PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.125 | 3.625 | 3.125 | 3.250 | 3.500 | |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.625 | 3.750 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.875 | 3.250 | 3.750 | 3.250 | ------ | 4.000 | |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
APR | 3.726 | 3.011 | 3.523 | 2.943 | 3.025 | 3.276 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.375 | 3.375 |
APR | 3.856 | 3.499 | ------ | ------ | 3.373 | 3.390 |
Jumbo | 3.750 | 3.375 | ------ | ------ | 3.250 | 3.375 |
APR | 3.747 | 3.384 | ------ | ------ | 3.250 | 3.365 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.500 | 3.875 | 3.500 | ------ | ------ | |
APR | 4.121 | 3.511 | 3.898 | 3.516 | ------ | ------ |
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):
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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