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奇虎贷款利率-CA, TX, MD, VA,FL, GA, WA- 11月08日星期四

(2018-11-08 10:05:40) 下一个

SUMMARY:今天(11月08日星期四)开盘时的房贷利率价格和上个工作日相比基本持平。

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 $453K, 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
<=$453K 5.000 4.500 4.875 4.500 ------ ------
>$453K 5.125 4.625 ------ ------ 4.500 ------
Jumbo 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.750 5.125 4.750 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.917 4.340 4.822 4.380 4.416 4.426
 
>$453K 5.000 4.500 ------ ------ 4.375 ------
APR 5.044 4.556 ------ ------ 4.406 ------
 
Jumbo 5.000 4.750 ------ ------ 4.375 4.500
APR 5.040 4.818 ------ ------ 4.413 4.528
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.375 ------ 5.250 ------ ------ ------
APR 5.407 ------ 5.293 ------ ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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
<=$453K 5.000 4.375 4.875 4.375 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.886 4.288 4.780 4.305 4.386 4.397
 
>$453K 5.000 4.750 ------ ------ 4.375 4.500
APR 5.014 4.773 ------ ------ 4.388 4.502
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.375 ------ 5.250 ------ ------ ------
APR 5.376 ------ 5.251 ------ ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 4.750 5.125 4.750 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.880 4.295 4.786 4.315 4.390 4.401
 
>$453K 5.000 4.750 ------ ------ 4.375 4.500
APR 5.016 4.778 ------ ------ 4.391 4.505
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.375 ------ 5.250 ------ ------ ------
APR 5.369 ------ 5.256 ------ ------ ------
 
******************************* 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
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.500 5.125 5.625 ------ ------ ------
>$453K 5.250 4.875 5.000 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.885 4.304 4.793 4.327 4.416 4.427
 
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.997 4.533 4.747 ------ 4.253 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.250 ------ ------ ------
APR 5.293 ------ 5.263 ------ ------ ------
 
******************************* 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
<=$453K 5.250 ------ 5.250 ------ ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.375 ------ 5.375 ------ ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.894 4.320 4.806 4.350 4.415 4.425
 
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.998 4.534 4.747 ------ 4.253 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.250 ------ ------ ------
APR 5.303 ------ 5.276 ------ ------ ------
 
******************************* 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
<=$453K 5.125 4.750 5.125 4.750 ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.250 ------ ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.909 4.346 4.826 4.388 4.430 4.440
 
>$453K 5.000 4.750 ------ ------ 4.375 4.500
APR 5.023 4.790 ------ ------ 4.397 4.512
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.250 ------ ------ ------
APR 5.319 ------ 5.297 ------ ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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
<=$453K 5.000 4.375 4.875 4.375 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
Jumbo 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.250 4.750 4.250 4.375 4.375
APR 4.886 4.287 4.780 4.304 4.386 4.396
 
>$453K 5.000 4.750 ------ ------ 4.375 4.500
APR 5.013 4.773 ------ ------ 4.388 4.502
 
Jumbo 5.000 4.750 ------ ------ 4.375 4.500
APR 5.008 4.764 ------ ------ 4.383 4.497
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.375 ------ 5.250 ------ ------ ------
APR 5.375 ------ 5.250 ------ ------ ------
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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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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