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奇虎贷款利率-CA, TX, MD, VA,FL- 01月11日星期三

(2017-01-11 10:44:15) 下一个

SUMMARY:今天(1月11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4.000%,15年固定利率稳定在3.
250%,5/1 ARM稳定在3.375%。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3.125%,5/1 ARM稳定在2.990%.

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 4.000 3.250 3.875 3.250 3.375 3.625
>$417K 4.200 3.375 4.000 3.500 3.750 3.875
Jumbo 4.125 3.625 ------ ------ 3.500 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.625 3.750
>$417K 4.375 3.875 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 2.990 3.250
APR 3.931 3.187 3.779 3.120 3.032 3.300
 
>$417K 4.000 3.250 3.875 3.250 3.375 3.625
APR 4.044 3.316 3.926 3.351 3.419 3.661
 
Jumbo 4.125 3.500 ------ ------ 3.375 3.500
APR 4.115 3.541 ------ ------ 3.395 3.540
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.125 3.990
APR 4.276 3.599 4.160 3.644 4.169 4.039
 
******************************* 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 4.000 3.250 3.875 3.250 3.375 3.500
>$417K 4.250 3.750 ------ ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.625 3.750
>$417K 4.250 3.875 ------ ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 2.990 2.990 3.250
APR 3.902 3.137 3.732 3.053 2.995 3.262
 
>$417K 4.125 3.625 ------ ------ 3.375 3.500
APR 4.111 3.599 ------ ------ 3.371 3.516
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.000 3.990
APR 4.246 3.548 4.120 3.570 4.022 4.000
 
******************************* 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 4.000 3.250 3.875 3.250 3.500 3.625
>$417K 4.375 4.000 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.000 3.375 3.875 3.875
>$417K 4.375 4.000 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 2.990 2.990 3.250
APR 3.896 3.143 3.737 3.062 2.998 3.266
 
>$417K 4.125 3.625 ------ ------ 3.375 3.500
APR 4.114 3.603 ------ ------ 3.374 3.518
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.000 3.990
APR 4.240 3.555 4.125 3.580 4.026 4.004
 
******************************* 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 3.875 3.375 3.625 3.750
>$417K 4.375 4.000 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 ------ 4.375
>$417K 4.375 4.000 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 2.990 3.250
APR 3.901 3.099 3.778 3.073 3.025 3.293
 
>$417K 4.125 3.625 ------ ------ 3.375 3.500
APR 4.112 3.600 ------ ------ 3.370 3.514
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.125 3.500 4.125 3.990
APR 4.182 3.564 4.132 3.592 4.162 4.032
 
******************************* 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 4.125 3.500 4.000 3.500 ------ 4.375
>$417K 4.500 4.375 ------ ------ ------ 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 ------ ------
>$417K 4.500 ------ ------ ------ ------ 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 2.990 3.250
APR 3.909 3.167 3.744 3.121 3.037 3.305
 
>$417K 4.125 3.625 ------ ------ 3.375 3.500
APR 4.114 3.604 ------ ------ 3.374 3.519
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.125 3.990
APR 4.254 3.579 4.148 3.615 4.175 4.045

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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