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奇虎贷款利率-CA, TX, MD, VA,FL- 01月23日星期一

(2017-01-23 11:03:36) 下一个

SUMMARY：今天（01月23日 星期一)开盘时的房贷利率价格和上个工作日相比稍好
。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年固定利率下降至3.
25%，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年固定利率下降至3.125%，5/1 ARM下降至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 4.125 3.250 3.875 3.250 3.250 3.500
>$417K 4.250 3.375 4.000 3.375 3.750 3.875
Jumbo 4.250 4.000 ------ ------ 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 4.000 3.375 3.625 3.875
>$417K 4.375 4.125 4.375 ------ 3.625 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.125 3.750 3.125 2.990 3.250
APR 4.044 3.223 3.817 3.220 3.046 3.304
 
>$417K 4.125 3.250 4.000 3.250 3.500 3.625
APR 4.153 3.317 3.996 3.336 3.526 3.665
 
Jumbo 4.250 3.750 ------ ------ 3.375 3.625
APR 4.253 3.789 ------ ------ 3.398 3.642
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 4.250 4.375
APR 4.307 3.688 4.185 3.716 4.296 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 3.250 3.875 3.250 3.250 3.500
>$417K 4.375 4.000 ------ ------ 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 4.000 3.375 3.625 3.875
>$417K 4.375 4.125 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.125 3.750 3.125 2.990 3.250
APR 4.004 3.173 3.771 3.105 3.008 3.276
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.228 3.782 ------ ------ 3.374 3.617
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 4.125 4.250
APR 4.278 3.637 4.138 3.642 4.146 4.272
 
******************************* 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 3.500 3.750
>$417K ------ ------ ------ ------ 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 3.500 4.000 3.500 3.750 3.990
>$417K ------ ------ ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.125 3.750 3.125 2.990 3.250
APR 4.008 3.180 3.776 3.114 3.012 3.280
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.231 3.787 ------ ------ 3.377 3.620
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 4.125 4.250
APR 4.271 3.644 4.143 3.652 4.150 4.276
 
******************************* 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 4.000 3.375 3.625 3.875
>$417K ------ ------ ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.750 ------ 4.500
>$417K ------ ------ ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 2.990 3.250
APR 3.932 3.188 3.787 3.180 3.039 3.305
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.227 3.780 ------ ------ 3.373 3.616
 
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 4.250
APR 4.276 3.600 4.155 3.645 4.162 4.304
 
******************************* 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 3.500 4.125 3.500 ------ 4.500
>$417K ------ ------ ------ ------ ------ 4.125
 
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 3.750 ------ ------
>$417K ------ ------ ------ ------ ------ 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.125 3.750 3.125 3.125 3.250
APR 4.049 3.203 3.815 3.174 3.158 3.303
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.232 3.788 ------ ------ 3.377 3.620
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 4.250 4.375
APR 4.285 3.668 4.183 3.687 4.296 4.425

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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