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奇虎贷款利率-CA, TX, MD, VA,FL- 08月16日星期三

(2017-08-17 11:44:47) 下一个

SUMMARY:今天(08月16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3.875%,15年固定利率稳定在3.
000%,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3.875%,15
年固定利率稳定在2.875%,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 3.875 3.000 3.625 3.000 3.250 3.375
>$417K 3.950 3.250 3.875 3.250 3.500 3.500
Jumbo 4.000 3.625 4.250 ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.125 3.500 3.750
>$417K 4.125 3.750 4.250 ------ 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.500 2.750 3.000 3.125
APR 3.765 2.973 3.524 2.892 3.043 3.179
 
>$417K 3.800 3.125 3.625 3.125 3.250 3.375
APR 3.831 3.149 3.679 3.203 3.285 3.389
 
Jumbo 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.893 3.530 4.151 ------ 3.264 3.276
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.375 3.375 3.625
APR 4.140 3.474 3.946 3.492 3.411 3.662
 
******************************* 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 3.875 3.000 3.625 3.000 3.250 3.375
>$417K 4.000 3.750 4.250 ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.125 3.500 3.625
>$417K 4.000 3.750 4.250 ------ 3.375 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.500 2.750 2.990 3.125
APR 3.736 2.923 3.482 2.819 3.020 3.151
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.869 3.524 4.117 ------ 3.241 3.253
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.375 3.375 3.625
APR 4.111 3.423 3.903 3.419 3.384 3.634
 
******************************* 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 3.875 3.125 3.625 3.000 3.375 3.500
>$417K 4.250 3.875 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.625 3.875
>$417K 4.500 4.125 4.375 ------ 3.625 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 2.990 3.125
APR 3.656 2.929 3.478 2.829 3.024 3.155
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.872 3.528 4.121 ------ 3.243 3.255
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.375 3.375 3.625
APR 4.104 3.430 3.900 3.428 3.387 3.637
 
******************************* 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 3.875 3.250 3.750 3.125 3.500 3.875
>$417K 4.375 4.125 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.875 3.500 ------ 4.125
>$417K 4.625 4.125 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 3.000 3.125
APR 3.660 2.937 3.513 2.841 3.032 3.179
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.868 3.521 4.122 ------ 3.239 3.252
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.047 3.438 3.911 3.440 3.432 3.683
 
******************************* 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 4.000 3.375 3.875 3.375 ------ 4.125
>$417K 5.000 4.375 4.750 ------ 3.750 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.500 ------ ------
>$417K 5.000 4.375 4.750 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 3.000 3.125
APR 3.669 2.953 3.539 2.863 3.043 3.178
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.873 3.529 4.122 ------ 3.244 3.256
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.056 3.454 3.923 3.463 3.432 3.683

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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