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奇虎贷款利率-CA, TX, MD, VA,FL- 09月19日 星期一

(2016-09-19 13:13:12) 下一个

SUMMARY:今天(09月19日 星期一)开盘时的房贷利率价格和上个工作日相比持平。目前
重新贷款40万左右的利率,30年固定利率下降至3.375%,15年固定利率稳定在2.750%,
5/1 ARM上升至3.000%。购房贷款40万左右,30年固定的利率上升在3.375%,15年固定
利率稳定在2.625%,5/1 ARM稳定在2.750%

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 $380K, High-Balance Loan $550K, 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
<=$417K    3.375    2.750    3.250    2.625    3.000      3.250
>$417K      3.625    2.990    3.500     2.875     3.375      3.375
Jumbo        3.750    3.125     -----        ------    3.125      3.125
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.750     3.125        3.500
>$417K      3.990     3.375    3.875       3.750      3.500      3.375
   
                   
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.750       2.875
APR           3.375    2.664    3.145    2.579     2.787      2.924
                    
>$417K      3.450    2.750    3.375       2.750     3.125        3.125
APR           3.481    2.808    3.404       2.816     3.152        3.158
                       
Jumbo        3.625     3.000     -----       -----     2.875       3.000
APR            3.636     3.041     -----       -----     2.902       3.014
    
                                                      
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.500   2.875    3.625        3.625
APR           3.680    3.096    3.452    3.017    3.659       3.673

 

 

******************************** 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
<=$417K    3.500    2.750    3.375    2.750     3.125        3.500
>$417K      4.000       3.500      ------        -----     3.375      3.375
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500    3.000       3.750      3.750
>$417K      4.125      3.625      ------      -------       3.500    3.500

                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.750       2.875
APR           3.305    2.659    3.140    2.577    2.767       2.923
                       
>$417K      3.625    3.125    -----       ------     3.000       3.000
APR           3.633     3.104    -----      ------     2.999       3.011
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375    2.875    3.500       3.625
APR           3.650    3.063    3.448    2.966    3.537       3.670

 


******************************** MARYLAND********************************
    (Based on Conforming Loan $380K, High-Balance Loan $550K. 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
<=$417K    3.375    2.750    3.250    2.625     2.875        3.125
>$417K      3.750       3.250      ------        -----     3.250      3.250
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500   2.750    3.375    2.750       3.125      3.375
>$417K      3.875      3.375      ------      -------       3.375    3.250

                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.750       2.875
APR           3.277    2.604    3.098    2.507    2.755       2.897
                       
>$417K      3.625    3.125    -----       ------     3.000       3.000
APR           3.632     3.103    -----      ------     2.998       3.010
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375    2.875    3.500       3.625
APR           3.651    3.008    3.404    2.944    3.525       3.638

 


******************************** VIRGINIA ********************************
    (Based on Conforming Loan $380K, High-Balance Loan $550K. 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
<=$417K    3.500    2.750    3.250    2.750     3.000        3.375
>$417K      4.000       3.500       ------       ------    3.500       ----
-
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875   3.375     2.750     3.250         3.500
>$417K      4.125      3.625       ------      ------     3.500        3.500
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.750       2.875
APR           3.281    2.610    3.103    2.516    2.759        2.901
                       
>$417K      3.625    3.125    -----      ------    3.000         3.000
APR           3.635    3.107    -----      ------     3.001       3.013
   
                   
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.990    3.375    2.875    3.500       3.625
APR           3.646    3.015    3.409    2.954    3.529        3.642

 


******************************** FLORIDA ********************************
    (Based on Conforming Loan $200K, High-Balance 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
<=$417K    3.625    3.000    3.500    2.875    3.750        3.750
>$417K      4.125      3.750      ------      ------    3.750      3.625
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125   3.625     3.000     -----         4.250
>$417K      4.250     3.875      ------     ------     -----       3.750
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.750        2.875
APR           3.296    2.582    3.157    2.515    2.785        2.920
                       
>$417K      3.625    3.125    -----      ------    3.000         3.000
APR           3.735    3.108    -----      ------     3.001        3.013
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.990    3.500    2.875    3.625       3.625
APR           3.659    3.086    3.510    3.989    3.665       3.680

 


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NMLS ID: 1169300

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