SUMMARY:今天(11月30日星期四)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 $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 | |
3.875 | 3.250 | 3.750 | 3.250 | 3.125 | 3.375 | |
>$424K | 4.125 | 3.500 | 3.990 | ------ | 3.750 | 4.000 |
Jumbo | 4.125 | 3.875 | 4.375 | ------ | 3.750 | 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 | 3.875 | 4.125 | |
>$424K | 4.450 | 4.125 | 4.375 | ------ | 3.750 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.250 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.803 | 3.258 | 3.674 | 3.242 | 3.034 | 3.179 |
>$424K | 3.950 | 3.375 | 3.875 | ------ | 3.375 | 3.750 |
APR | 3.978 | 3.440 | 3.911 | ------ | 3.421 | 3.799 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
APR | 3.908 | 3.702 | 4.276 | ------ | 3.532 | 3.668 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.250 | 3.750 | 4.000 | 3.750 | 3.625 | 3.875 | |
APR | 4.276 | 3.832 | 4.049 | 3.868 | 3.662 | 3.912 |
******************************* 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 | |
3.875 | 3.250 | 3.750 | 3.250 | 3.125 | 3.375 | |
>$424K | 4.125 | 4.000 | 4.375 | ------ | 3.750 | 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 | 3.750 | 4.000 | |
>$424K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.250 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.772 | 3.208 | 3.634 | 3.168 | 3.006 | 3.151 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
APR | 3.884 | 3.659 | 4.242 | ------ | 3.508 | 3.644 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.250 | 3.750 | 4.000 | 3.750 | 3.625 | 3.875 | |
APR | 4.246 | 3.780 | 4.009 | 3.794 | 3.634 | 3.884 |
******************************* 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 | |
3.950 | 3.375 | 3.750 | 3.375 | 3.375 | 3.625 | |
>$424K | 4.250 | 4.000 | 4.500 | ------ | 3.875 | 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 | 3.875 | 3.625 | 4.000 | 4.125 | |
>$424K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.250 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.770 | 3.214 | 3.639 | 3.178 | 3.010 | 3.155 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
APR | 3.886 | 3.663 | 4.246 | ------ | 3.511 | 3.646 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.750 | 4.000 | 3.750 | 3.625 | 3.875 | |
APR | 4.157 | 3.787 | 4.015 | 3.804 | 3.637 | 3.888 |
******************************* 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 | |
4.000 | 3.500 | 3.875 | 3.500 | ------ | 4.875 | |
>$424K | 4.375 | 4.250 | 4.500 | ------ | 3.875 | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.250 | 3.875 | 4.000 | 4.125 | ------ | 4.875 | |
>$424K | 4.500 | 4.250 | 4.500 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.125 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.775 | 3.206 | 3.646 | 3.190 | 3.034 | 3.179 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 3.625 | 3.875 |
APR | 4.143 | 3.907 | 4.247 | ------ | 3.628 | 3.878 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.625 | 4.000 | 3.625 | 3.625 | 3.875 | |
APR | 4.161 | 3.726 | 4.021 | 3.771 | 3.683 | 3.933 |
******************************* 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 | |
4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ | |
>$424K | 5.125 | 4.500 | 4.875 | ------ | 4.500 | 4.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.250 | 3.875 | 4.125 | 3.875 | ------ | ------ | |
>$424K | 5.125 | 4.500 | 4.875 | ------ | 4.500 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.125 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.784 | 3.222 | 3.658 | 3.213 | 3.033 | 3.178 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 3.625 | 3.875 |
APR | 4.146 | 3.908 | 4.247 | ------ | 3.628 | 3.878 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.750 | 4.000 | 3.750 | 3.625 | 3.875 | |
APR | 4.170 | 3.811 | 4.034 | 3.839 | 3.683 | 3.934 |
******************************* 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 | 3.500 | 3.875 | 3.500 | ------ | 4.875 | |
>$424K | 4.250 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.750 | 4.000 | 3.750 | ------ | 4.875 | |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.125 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.799 | 3.247 | 3.678 | 3.250 | 3.047 | 3.192 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
APR | 3.892 | 3.674 | 4.255 | ------ | 3.517 | 3.652 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.125 | 3.750 | 4.000 | 3.750 | 3.625 | 3.875 | |
APR | 4.185 | 3.837 | 4.054 | 3.876 | 3.698 | 3.949 |
******************************* 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 | |
3.875 | 3.250 | 3.750 | 3.250 | 3.125 | 3.375 | |
>$424K | 4.125 | 4.000 | 4.375 | ------ | 3.750 | 4.000 |
Jumbo | 4.125 | 3.875 | 4.375 | ------ | 3.750 | 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 | 3.750 | 4.000 | |
>$424K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.250 | 3.625 | 3.125 | 3.000 | 3.125 | |
APR | 3.765 | 3.207 | 3.642 | 3.167 | 3.006 | 3.151 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
APR | 3.883 | 3.658 | 4.242 | ------ | 3.508 | 3.643 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
APR | 3.878 | 3.649 | 4.234 | ------ | 3.503 | 3.638 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.250 | 3.750 | 4.000 | 3.750 | 3.625 | 3.875 | |
APR | 4.261 | 3.779 | 4.009 | 3.792 | 3.633 | 3.883 |
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