【房贷利率】9月26日星期二(利率变好)
奇虎贷款-100436 09/26 7740
SUMMARY:今天(9月26日 星期二)开盘时的房贷利率价格和上个工作日相比变好。目前
重新贷款40万左右的利率,30年固定利率下降至3.750%,15年固定利率保持在3.125%,
5/1 ARM利率保持在3.250%。购房贷款40万左右,30年固定利率下降至3.625%,15年固定
利率保持在3.000%,5/1 ARM利率保持在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 $424K, 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 | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.625 |
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 | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
>$424K | 4.125 | 3.750 | 4.250 | ------ | 4.500 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.680 | 3.044 | 3.549 | 2.991 | 3.043 | 3.294 |
>$424K | 3.875 | 3.125 | 3.625 | 3.250 | 3.375 | 3.500 |
APR | 3.912 | 3.193 | 3.690 | 3.191 | 3.408 | 3.513 |
Jumbo | 3.750 | 3.375 | ------ | ------ | 3.250 | 3.375 |
APR | 3.777 | 3.446 | ------ | ------ | 3.280 | 3.391 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | 4.250 | 4.375 |
APR | 4.057 | 3.563 | 3.924 | 3.591 | 4.302 | 4.428 |
************* MARYLAND *************** (Based on Conforming Loan $424K, 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 | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.625 | 3.875 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.652 | 2.994 | 3.509 | 2.918 | 3.016 | 3.266 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.759 | 3.510 | ------ | ------ | 3.263 | 3.375 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | 4.250 | 4.375 |
APR | 4.028 | 3.512 | 3.884 | 3.517 | 4.267 | 4.394 |
************* VIRGINIA ************** (Based on Conforming Loan $424K, 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 | |
<=$424K | 3.875 | 3.250 | 3.625 | 3.125 | 3.500 | 3.750 |
>$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 | |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.875 | 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 | |
<=$424K | 3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.646 | 3.000 | 3.514 | 2.928 | 3.020 | 3.270 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.761 | 3.515 | ------ | ------ | 3.266 | 3.377 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | 4.250 | 4.375 |
APR | 4.021 | 3.519 | 3.890 | 3.527 | 4.271 | 4.398 |
*********** 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 | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.625 | 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 | |
<=$424K | 4.250 | 3.625 | 4.000 | 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 | |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.650 | 2.955 | 3.521 | 2.940 | 3.044 | 3.295 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.858 | 3.511 | ------ | ------ | 3.262 | 3.374 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 4.250 | 4.375 |
APR | 4.026 | 3.457 | 3.896 | 3.493 | 4.282 | 4.409 |
************ 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 | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ |
>$424K | 4.250 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$424K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.659 | 2.971 | 3.533 | 2.962 | 3.043 | 3.293 |
>$424K | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.861 | 3.516 | ------ | ------ | 3.266 | 3.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 4.250 | 4.375 |
APR | 4.035 | 3.472 | 3.909 | 3.516 | 4.303 | 4.429 |
************ 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 | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.875 | 4.125 |
>$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 | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | 4.250 | 4.375 |
>$424K | 4.250 | 4.000 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.673 | 2.996 | 3.553 | 2.999 | 3.056 | 3.307 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.767 | 3.526 | ------ | ------ | 3.272 | 3.384 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 4.250 | 4.375 |
APR | 4.049 | 3.498 | 3.929 | 3.553 | 4.312 | 4.439 |
************* WASHINGTON ************* (Based on Conforming Loan $424K, 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 | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.500 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.375 | 3.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.625 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.651 | 2.993 | 3.508 | 2.917 | 3.016 | 3.266 |
>$424K | 3.750 | 3.500 | ------ | ------ | 3.250 | 3.375 |
APR | 3.758 | 3.509 | ------ | ------ | 3.263 | 3.375 |
Jumbo | 3.750 | 3.375 | ------ | ------ | 3.250 | 3.250 |
APR | 3.747 | 3.394 | ------ | ------ | 3.238 | 3.258 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.500 | 3.875 | 3.500 | 4.250 | 4.375 |
APR | 4.027 | 3.511 | 3.884 | 3.516 | 4.263 | 4.390 |
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。
奇虎贷款目前能做CA、GA、FL, MD, TX, VA和WA等7个州的房屋贷款,欢迎查询:
Northern California:
1525 McCarthy Blvd, Ste 1084
Milpitas, CA 95035
Phone: (408) 883-8283
Fax: (877) 442-7883
arli@tigerloans.com
Southern California:
780 Roosevelt, Ste 120
Irvine, CA 92620
Phone: (310) 667-6263
Fax: (877) 442-7883
apply@tigerloans.com