SUMMARY:今天(6月7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 $484K, 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 | |
<=$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.500 | 3.625 |
>$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.875 | 4.500 |
Jumbo | 4.375 | 3.625 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.750 | 3.750 |
>$484K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.675 | 3.052 | 3.433 | 3.049 | 3.299 | 3.424 |
>$484K | 3.875 | 3.125 | 3.750 | 3.125 | 3.625 | 4.375 |
APR | 3.875 | 3.163 | 3.783 | 3.195 | 3.668 | 4.408 |
Jumbo | 4.125 | 3.375 | ------ | ------ | 3.500 | 3.500 |
APR | 4.153 | 3.441 | ------ | ------ | 3.486 | 3.516 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.302 | 3.696 | 4.071 | 3.702 | ------ | ------ |
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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 | |
<=$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.500 | 3.500 |
>$484K | 4.375 | 3.625 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 3.750 |
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.648 | 3.004 | 3.396 | 2.980 | 3.272 | 3.397 |
>$484K | 4.125 | 3.375 | ------ | ------ | 3.500 | 3.500 |
APR | 4.131 | 3.403 | ------ | ------ | 3.465 | 3.495 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.274 | 3.648 | 4.032 | 3.631 | ------ | ------ |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, 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 | |
<=$484K | 3.875 | 3.250 | 3.750 | 3.125 | 3.625 | 3.625 |
>$484K | 4.500 | 3.875 | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.500 | 3.875 | 3.375 | 4.750 | 4.625 |
>$484K | 5.000 | 4.000 | ------ | ------ | ------ | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.641 | 3.010 | 3.400 | 2.988 | 3.275 | 3.401 |
>$484K | 4.125 | 3.375 | ------ | ------ | 3.500 | 3.500 |
APR | 4.133 | 3.407 | ------ | ------ | 3.468 | 3.498 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.152 | 3.653 | 4.037 | 3.640 | ------ | ------ |
******************************* 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 | |
<=$484K | 3.875 | 3.375 | 3.875 | 3.250 | ------ | 4.750 |
>$484K | 4.875 | 3.875 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.750 | 4.125 | 4.375 | 4.000 | ------ | ------ |
>$484K | 5.000 | 4.000 | ------ | ------ | ------ | 4.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.650 | 3.027 | 3.578 | 3.013 | 3.305 | 3.430 |
>$484K | 4.500 | 3.625 | ------ | ------ | 3.875 | 3.750 |
APR | 4.501 | 3.629 | ------ | ------ | 3.870 | 3.765 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.047 | 3.670 | 4.050 | 3.664 | ------ | ------ |
******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $562K. 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 | |
<=$484K | 3.750 | 3.125 | 3.750 | 3.000 | 3.375 | 3.500 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | ------ | ------ | ------ | ------ | ------ | ------ |
>$484K | ------ | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.633 | 2.996 | 3.387 | 2.968 | 3.268 | 3.393 |
>$484K | 4.125 | 3.500 | ------ | ------ | 3.500 | 3.500 |
APR | 4.138 | 3.468 | ------ | ------ | 3.473 | 3.503 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.143 | 3.639 | 4.025 | 3.619 | ------ | ------ |
******************************* 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 | |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$484K | 5.250 | 4.250 | ------ | ------ | ------ | 4.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.375 | 3.875 | 4.375 | 3.750 | ------ | ------ |
>$484K | ------ | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.659 | 3.042 | 3.658 | 3.035 | 3.303 | 3.429 |
>$484K | 4.500 | 3.625 | ------ | ------ | 3.875 | 3.750 |
APR | 4.504 | 3.634 | ------ | ------ | 3.873 | 3.767 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.056 | 3.686 | 4.063 | 3.687 | ------ | ------ |
******************************* 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 | |
<=$484K | 3.875 | 3.500 | 3.875 | 3.375 | ------ | ------ |
>$484K | 4.500 | 3.875 | ------ | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$484K | 5.125 | 4.125 | ------ | ------ | ------ | 4.375 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 |
APR | 3.673 | 3.067 | 3.678 | 3.072 | 3.317 | 3.443 |
>$484K | 4.125 | 3.375 | ------ | ------ | 3.500 | 3.500 |
APR | 4.143 | 3.424 | ------ | ------ | 3.477 | 3.507 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.070 | 3.712 | 4.083 | 3.724 | ------ | ------ |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, 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 | |
<=$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.500 | 3.500 |
>$484K | 4.375 | 3.625 | ------ | ------ | 3.625 | 3.750 |
Jumbo | 4.375 | 3.625 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 3.750 |
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.647 | 3.004 | 3.395 | 2.979 | 3.272 | 3.397 |
>$484K | 4.125 | 3.375 | ------ | ------ | 3.500 | 3.500 |
APR | 4.130 | 3.403 | ------ | ------ | 3.465 | 3.495 |
Jumbo | 4.125 | 3.375 | ------ | ------ | 3.500 | 3.500 |
APR | 4.125 | 3.393 | ------ | ------ | 3.460 | 3.490 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.273 | 3.647 | 4.032 | 3.630 | ------ | ------ |
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