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奇虎贷款利率-CA, TX, MD, VA,FL- 03月22日星期三

(2017-03-22 11:27:04) 下一个

SUMMARY:今天(03月22日 星期三)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年固定利率稳定在4.125%,15年固定利率稳定在3.
250%,5/1 ARM稳定在3.250%。购房贷款40万左右,30年固定的利率稳定在3.990%,
15年固定利率稳定在3.250%,5/1 ARM稳定在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 $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 4.125 3.250 3.750 3.250 3.250 3.500
>$417K 4.200 3.375 4.000 3.250 3.750 3.990
Jumbo 4.250 3.750 4.500 ------ 3.750 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 3.875 3.375 3.500 3.750
>$417K 4.500 4.000 4.375 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.030 3.240 3.750 3.179 3.036 3.289
 
>$417K 4.050 3.250 3.875 3.250 3.500 3.625
APR 4.078 3.295 3.933 3.245 3.539 3.664
 
Jumbo 4.125 3.625 4.375 ------ 3.500 3.625
APR 4.153 3.652 4.398 ------ 3.534 3.649
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.500 3.750 3.990
APR 4.411 3.725 4.179 3.644 3.782 4.031
 
******************************* 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 4.125 3.250 3.750 3.125 3.125 3.500
>$417K 4.375 4.000 4.500 ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.200 3.375 3.875 3.375 3.375 3.625
>$417K 4.375 4.000 4.500 ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.250 3.750 3.000 2.990 3.250
APR 3.970 3.190 3.708 3.060 2.999 3.252
 
>$417K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.227 3.645 4.362 ------ 3.514 3.632
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.500 3.750 3.875
APR 4.381 3.659 4.128 3.570 3.753 3.903
 
******************************* 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 4.125 3.375 3.875 3.250 3.375 3.625
>$417K 4.500 4.125 4.625 ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.950 3.375 3.625 3.875
>$417K 4.500 4.250 4.625 ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.250 3.625 3.000 2.990 3.250
APR 3.971 3.196 3.655 3.070 3.002 3.255
 
>$417K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.230 3.650 4.366 ------ 3.516 3.635
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.500 3.750 3.875
APR 4.375 3.666 4.133 3.580 3.757 3.907
 
******************************* 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 4.125 3.375 3.950 3.375 3.500 3.750
>$417K 4.500 4.125 4.625 ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.625 4.000 4.125
>$417K 4.500 4.250 4.625 ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.125 3.625 3.000 2.990 3.250
APR 3.994 3.224 3.683 3.091 3.029 3.280
 
>$417K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.228 3.646 4.366 ------ 3.512 3.631
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 3.750 3.990
APR 4.297 3.689 4.164 3.592 3.790 4.023
 
******************************* 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 4.250 3.625 4.125 3.500 4.125 4.125
>$417K 4.625 4.625 4.875 ------ 4.250 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.250 3.625 4.625 4.500
>$417K 4.625 4.625 4.875 ------ 4.375 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.000 2.990 3.250
APR 4.035 3.220 3.759 3.135 3.041 3.293
 
>$417K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.230 3.651 4.366 ------ 3.517 3.636
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 3.750 3.990
APR 4.306 3.705 4.191 3.615 3.798 4.036

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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