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奇虎贷款利率-CA, TX, MD, VA,FL- 02月06日星期一

(2017-02-06 10:36:12) 下一个

SUMMARY:今天(02月06日 星期一)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年固定利率稳定至3.
250%,5/1 ARM稳定至3.250%。购房贷款40万左右,30年固定的利率稳定至3.990%,
15年固定利率稳定在3.125%,5/1 ARM稳定至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 4.000 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 3.750 ------ ------ 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 3.250 3.500 3.750
>$417K 4.375 3.875 4.500 ------ 3.750 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 3.000 3.000 3.250
APR 4.029 3.223 3.828 3.143 3.043 3.287
 
>$417K 4.125 3.250 4.000 3.250 3.500 3.625
APR 4.152 3.313 4.012 3.282 3.530 3.653
 
Jumbo 4.125 3.625 ------ ------ 3.375 3.625
APR 4.140 3.646 ------ ------ 3.401 3.641
 
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 3.875 3.990
APR 4.307 3.599 4.160 3.564 3.912 4.017
 
******************************* 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 3.125 3.500
>$417K 4.250 3.875 ------ ------ 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 3.250 3.375 3.625
>$417K 4.375 4.000 ------ ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.125 3.750 3.000 2.990 3.250
APR 3.970 3.173 3.788 3.070 3.018 3.249
 
>$417K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.136 3.640 ------ ------ 3.377 3.617
 
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 3.750 3.875
APR 4.278 3.548 4.120 3.491 3.774 3.901
 
******************************* 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 3.250 4.000 3.250 3.375 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 3.625 3.750
>$417K 4.500 4.250 ------ ------ 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 3.000 2.990 3.250
APR 3.906 3.180 3.793 3.079 3.022 3.253
 
>$417K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.139 3.644 ------ ------ 3.379 3.619
 
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 3.875 3.875
APR 4.271 3.555 4.125 3.501 3.882 3.905
 
******************************* 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 3.250 3.375 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 4.375 3.625 4.125 3.625 ------ 3.990
>$417K 4.500 4.250 ------ ------ 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 3.000 3.000 3.250
APR 3.911 3.188 3.800 3.091 3.023 3.280
 
>$417K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.137 3.641 ------ ------ 3.375 3.615
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.375 3.750 3.990
APR 4.276 3.564 4.132 3.493 3.789 4.010
 
******************************* 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 3.375 ------ 3.990
>$417K 4.500 ------ ------ ------ 4.125 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.500 ------ ------
>$417K 4.625 ------ ------ ------ ------ 4.250
 
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 3.000 3.250
APR 3.920 3.203 3.801 3.114 3.042 3.292
 
>$417K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.139 3.645 ------ ------ 3.380 3.620
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.375 3.875 3.990
APR 4.285 3.579 4.144 3.516 3.910 4.022

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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