【房贷利率】9月27日星期三(利率变差)


奇虎贷款-100436  09/27   5630  
4.0/1 

SUMMARY:今天(9月27日 星期三)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3.250%。购房贷款40万左右,30年固定利率上升至3.750%,15年固定
利率保持在3.000%,5/1 ARM利率保持在3.000%.

: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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.6253.1253.2503.500
>$424K4.0003.2504.050------3.6253.875
Jumbo4.0003.7504.250------3.6253.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.7504.000
>$424K4.4503.8754.250------3.6253.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5003.0003.0003.250
APR3.7653.0623.5773.0373.0533.304
>$424K3.8753.2503.875------3.5003.625
APR3.9223.2513.940------3.5273.657
Jumbo3.8753.5004.125------3.5003.750
APR3.8873.5774.151------3.5233.774
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5003.5003.750
APR4.1503.5813.9393.6173.5373.787
*********** MARYLAND *************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.6253.1253.2503.500
>$424K4.1253.7504.250------3.6253.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.6253.875
>$424K4.3753.8754.250------3.6253.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5003.0003.0003.250
APR3.7363.0123.5262.9653.0263.276
>$424K3.8753.5004.125------3.5003.750
APR3.8633.5334.117------3.5003.750
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5003.5003.750
APR4.1213.5303.8993.5443.5093.759
********** VIRGINIA ************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.8753.875
>$424K4.1253.8754.375------3.7504.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.7503.3753.8754.000
>$424K4.5004.1254.375------3.7504.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5003.0003.0003.250
APR3.7303.0183.5312.9743.0303.280
>$424K3.8753.5004.125------3.5003.750
APR3.8663.5384.121------3.5023.752
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5003.5003.750
APR4.1153.5373.9043.5533.5123.763
************ TEXAS *************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.250------4.250
>$424K4.3754.1254.375------3.7504.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7503.8753.750------4.750
>$424K4.6254.1254.375------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.6253.0003.5002.8753.0003.250
APR3.6813.0273.5492.9923.0543.305
>$424K4.1253.7504.125------3.5003.750
APR4.1213.7824.122------3.5033.753
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.6253.3753.5003.750
APR4.0473.4753.6653.5203.5573.808
************ 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.8753.375------------
>$424K5.0004.3754.750------4.3754.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.625------------
>$424K5.0004.3754.750------4.3754.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7433.0423.5663.0153.0523.303
>$424K4.1253.7504.125------3.5003.750
APR4.1203.7834.122------3.5033.753
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.5003.5003.750
APR4.0563.5613.9233.5883.5583.809
************ GEORGIA ************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.7503.375------4.375
>$424K4.2503.8754.500------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.500------4.750
>$424K4.5004.1254.500------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5002.8753.0003.250
APR3.7583.0673.5863.0523.0663.317
>$424K3.8753.5004.125------3.5003.750
APR3.8723.5494.130------3.5093.759
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.5003.5003.750
APR4.0703.5873.9433.6263.5723.823
*********** 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.6253.1253.2503.500
>$424K4.1253.7504.250------3.6253.875
Jumbo4.0003.7504.250------3.6253.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.6253.875
>$424K4.3753.8754.250------3.6253.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.5003.0003.0003.250
APR3.7463.0113.5192.9633.0253.276
>$424K4.0003.5004.125------3.5003.750
APR4.0083.5334.117------3.4993.749
Jumbo3.8753.5004.125------3.5003.750
APR3.8583.5244.109------3.4943.744
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5003.5003.750
APR4.1213.5293.9063.5423.5083.758

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。


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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