【房贷利率】10月25日星期三(利率变差)
奇虎贷款-100436 10/25 9358
SUMMARY:今天(10月25日 星期三)开盘时的房贷利率价格和上个工作日相比变差。目前
重新贷款40万左右的利率,30年固定利率上升至4.000%,15年固定利率保持在3.250%,
5/1 ARM利率保持在3.250%。购房贷款40万左右,30年固定利率上升至3.875%,15年固定
利率保持在3.125%,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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.250 | 3.500 | 4.125 | ------ | ------ | 4.125 |
Jumbo | 4.125 | 3.750 | ------ | ------ | 3.750 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.250 |
>$424K | 4.625 | ------ | 4.375 | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 3.125 | 3.000 | 3.250 |
APR | 3.900 | 3.223 | 3.742 | 3.215 | 3.053 | 3.304 |
>$424K | 4.125 | 3.375 | 4.125 | ------ | 3.750 | 3.750 |
APR | 4.141 | 3.440 | 4.152 | ------ | 3.787 | 3.795 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.375 | 3.500 |
APR | 3.918 | 3.665 | ------ | ------ | 3.417 | 3.533 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
APR | 4.286 | 3.813 | 4.078 | 3.841 | ------ | ------ |
************** 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.125 | 3.875 | ------ | ------ | 3.875 | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.250 |
>$424K | 4.250 | 4.125 | ------ | ------ | 4.000 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 3.125 | 3.000 | 3.250 |
APR | 3.871 | 3.173 | 3.702 | 3.142 | 3.026 | 3.276 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 3.894 | 3.622 | ------ | ------ | 3.515 | 3.630 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
APR | 4.257 | 3.762 | 4.038 | 3.767 | ------ | ------ |
************* 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 | 4.000 | 3.375 | 3.875 | 3.375 | 4.125 | 4.125 |
>$424K | 4.250 | 3.875 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | 4.500 |
>$424K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 3.125 | 3.000 | 3.250 |
APR | 3.865 | 3.180 | 3.708 | 3.152 | 3.030 | 3.280 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 3.896 | 3.627 | ------ | ------ | 3.518 | 3.633 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
APR | 4.250 | 3.769 | 4.044 | 3.777 | ------ | ------ |
*********** 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 | 4.000 | 3.500 | 3.875 | 3.500 | ------ | 4.500 |
>$424K | 4.250 | 4.125 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.990 | 4.250 | 3.875 | ------ | ------ |
>$424K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
APR | 3.796 | 3.188 | 3.703 | 3.144 | 3.054 | 3.305 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.625 |
APR | 4.010 | 3.747 | ------ | ------ | 3.516 | 3.631 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.255 | 3.707 | 4.050 | 3.744 | ------ | ------ |
*********** 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 | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$424K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.875 | 4.125 | 3.875 | ------ | ------ |
>$424K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.750 | 3.125 | 3.000 | 3.250 |
APR | 3.805 | 3.203 | 3.726 | 3.186 | 3.052 | 3.303 |
>$424K | 4.000 | 3.750 | ------ | ------ | 3.500 | 3.625 |
APR | 4.013 | 3.752 | ------ | ------ | 3.518 | 3.634 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.264 | 3.723 | 4.063 | 3.767 | ------ | ------ |
********** 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 | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
>$424K | 4.250 | 4.000 | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$424K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.125 | 3.750 | 3.125 | 3.000 | 3.250 |
APR | 3.819 | 3.229 | 3.746 | 3.223 | 3.066 | 3.317 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 3.903 | 3.638 | ------ | ------ | 3.524 | 3.639 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.279 | 3.749 | 4.083 | 3.804 | ------ | ------ |
************ 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.125 | 3.875 | ------ | ------ | 3.875 | 3.875 |
Jumbo | 4.125 | 3.750 | ------ | ------ | 3.750 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.125 |
>$424K | 4.250 | 4.125 | ------ | ------ | 4.000 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 3.125 | 3.000 | 3.250 |
APR | 3.871 | 3.172 | 3.702 | 3.141 | 3.025 | 3.276 |
>$424K | 3.875 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 3.893 | 3.621 | ------ | ------ | 3.515 | 3.630 |
Jumbo | 3.875 | 3.625 | ------ | ------ | 3.375 | 3.500 |
APR | 3.889 | 3.613 | ------ | ------ | 3.388 | 3.504 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
APR | 4.256 | 3.761 | 4.037 | 3.766 | ------ | ------ |
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