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奇虎贷款利率-CA, TX, MD, VA,FL- 01月20日 星期五

(2017-01-20 10:28:08) 下一个


SUMMARY:今天(01月20日 星期五)开盘时的房贷利率价格和上个工作日相比略微上涨
。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年固定利率上涨至3.
375%,5/1 ARM下降至3.250%。购房贷款40万左右,30年固定的利率稳定在4.000%,
15年固定利率稳定在3.250%,5/1 ARM稳定至3.125%.

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 3.375 4.000 3.375 3.250 3.500
>$417K 4.375 3.500 4.125 3.625 3.750 4.000
Jumbo 4.375 3.750 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.750 3.875
>$417K 4.500 4.000 4.625 ------ 3.750 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.125 3.250
APR 4.046 3.276 3.890 3.277 3.159 3.304
 
>$417K 4.200 3.375 4.000 3.375 3.500 3.750
APR 4.220 3.416 4.042 3.479 3.535 3.780
 
Jumbo 4.250 3.625 ------ ------ 3.375 3.625
APR 4.247 3.668 ------ ------ 3.415 3.658
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.375 4.375
APR 4.422 3.725 4.285 3.769 4.421 4.425
 
******************************* 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 3.375 3.875 3.250 3.250 3.500
>$417K 4.375 4.000 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.625 3.875
>$417K 4.500 4.000 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.017 3.226 3.850 3.176 3.131 3.276
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.243 3.727 ------ ------ 3.391 3.638
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.250 4.375
APR 4.393 3.674 4.245 3.695 4.276 4.390
 
******************************* 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 4.000 3.375 3.625 3.750
>$417K 4.500 4.125 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.875 4.000
>$417K 4.500 4.375 ------ ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.011 3.232 3.855 3.186 3.135 3.280
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.246 3.732 ------ ------ 3.393 3.641
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.250 4.375
APR 4.386 3.680 4.250 3.705 4.280 4.394
 
******************************* 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 4.250 3.500 4.125 3.500 3.750 3.875
>$417K 4.500 4.125 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
>$417K 4.500 4.375 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.015 3.241 3.889 3.252 3.159 3.305
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.244 3.728 ------ ------ 3.389 3.637
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.250 3.625 4.250 4.375
APR 4.308 3.689 4.257 3.717 4.289 4.403
 
******************************* 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 4.250 3.625 ------ ------
>$417K 4.625 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
>$417K 4.750 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.024 3.256 3.855 3.246 3.158 3.303
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.246 3.733 ------ ------ 3.394 3.641
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.375 4.375
APR 4.400 3.705 4.269 3.740 4.420 4.423

 

 

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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