SUMMARY:今天(12月17日星期二),股市行情和美10年期国债收益率均继续上涨,房贷利率和昨天相比基本保持不变。目前重新贷款40万左右的利率,30年为3.75%,15年为3.25%,购房贷款40万左右,30年固定的利率为3.625%,15年为3.00%。
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 $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | 3.250 | 3.625 | 3.125 | 3.500 | 3.750 | |
>$484K | 3.750 | 3.375 | ------ | ------ | 4.000 | ------ |
Jumbo | 4.125 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.375 | 3.750 | 3.375 | 3.875 | 4.125 | |
>$484K | 4.250 | 3.875 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.634 | 3.052 | 3.569 | 3.049 | 3.299 | 3.424 |
>$484K | 3.750 | 3.250 | ------ | ------ | 3.750 | ------ |
APR | 3.742 | 3.308 | ------ | ------ | 3.793 | ------ |
Jumbo | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.017 | 3.942 | ------ | ------ | 4.163 | 4.414 |
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 | ------ | ------ | |
APR | 4.259 | 3.803 | 4.071 | 3.800 | ------ | ------ |
******************************* MARYLAND ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | |
3.625 | 3.125 | 3.625 | 3.125 | 3.500 | 3.625 | |
>$484K | 4.125 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.375 | 3.750 | 3.250 | 3.875 | 4.125 | |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.607 | 3.004 | 3.532 | 2.980 | 3.272 | 3.397 |
>$484K | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 3.995 | 3.904 | ------ | ------ | 4.141 | 4.391 |
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 | ------ | ------ | |
APR | 4.232 | 3.754 | 4.032 | 3.730 | ------ | ------ |
******************************* VIRGINIA ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | 3.250 | 3.750 | 3.250 | 3.625 | 4.000 | |
>$484K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.500 | 3.750 | 3.375 | ------ | ------ | |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.600 | 3.010 | 3.536 | 2.988 | 3.275 | 3.401 |
>$484K | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 3.998 | 3.908 | ------ | ------ | 4.143 | 4.394 |
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 | ------ | ------ | |
APR | 4.152 | 3.760 | 4.037 | 3.738 | ------ | ------ |
******************************* 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 | |
3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ | |
>$484K | 4.875 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ | |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.500 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 | |
APR | 3.545 | 3.027 | 3.452 | 3.013 | 3.305 | 3.430 |
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.145 | 3.846 | ------ | ------ | 3.890 | 4.260 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.875 | 3.625 | 3.875 | 3.500 | ------ | ------ | |
APR | 3.932 | 3.726 | 3.939 | 3.645 | ------ | ------ |
******************************* ILLINOIS ******************************* (Based on Conforming Loan $450K, Jumbo Loan $562K. 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 | |
3.625 | 3.125 | 3.625 | 3.000 | 3.375 | 3.625 | |
>$484K | 4.125 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
------ | ------ | ------ | ------ | ------ | ------ | |
>$484K | ------ | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.592 | 2.996 | 3.525 | 2.968 | 3.268 | 3.393 |
>$484K | 4.000 | 4.000 | ------ | ------ | 4.250 | ------ |
APR | 4.003 | 3.986 | ------ | ------ | 4.263 | ------ |
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 | ------ | ------ | |
APR | 4.143 | 3.746 | 4.025 | 3.717 | ------ | ------ |
******************************* 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 | |
3.875 | 3.625 | 3.875 | 3.500 | ------ | ------ | |
>$484K | 5.125 | 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 | 4.250 | 3.750 | ------ | ------ | |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.554 | 3.042 | 3.561 | 3.035 | 3.303 | 3.429 |
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.148 | 3.851 | ------ | ------ | 3.893 | 4.263 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ | |
APR | 4.056 | 3.793 | 3.952 | 3.767 | ------ | ------ |
******************************* 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 | |
3.750 | 3.500 | 3.750 | 3.375 | ------ | ------ | |
>$484K | 4.375 | ------ | ------ | ------ | ------ | ------ |
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 | ------ | ------ | |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.568 | 3.067 | 3.581 | 3.072 | 3.317 | 3.443 |
>$484K | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.007 | 3.925 | ------ | ------ | 4.153 | 4.404 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
4.000 | 3.750 | 3.875 | 3.625 | ------ | ------ | |
APR | 4.070 | 3.819 | 3.972 | 3.804 | ------ | ------ |
******************************* WASHINGTON ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | |
3.625 | 3.125 | 3.625 | 3.125 | 3.500 | 3.625 | |
>$484K | 4.125 | 4.250 | ------ | ------ | ------ | ------ |
Jumbo | 4.125 | 4.250 | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.750 | 3.375 | 3.750 | 3.250 | 3.875 | 4.125 | |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
3.625 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 | |
APR | 3.607 | 3.004 | 3.531 | 2.979 | 3.272 | 3.397 |
>$484K | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 3.995 | 3.903 | ------ | ------ | 4.141 | 4.391 |
Jumbo | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 3.990 | 3.893 | ------ | ------ | 4.135 | 4.385 |
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 | ------ | ------ | |
APR | 4.231 | 3.754 | 4.032 | 3.729 | ------ | ------ |
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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-
-
-
-
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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