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奇虎贷款利率-CA, TX, MD, VA,FL- 05月12日 星期五

(2017-05-12 14:49:33) 下一个

SUMMARY:今天(05月12日 星期五)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稳定到3.375%。购房贷款40万左右,30年固定的利率稳定在3.95%,
15年固定利率上升到3.250%,5/1 ARM稳定在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 4.000 3.250 3.750 3.125 3.250 3.500
>$417K 4.125 3.375 4.000 3.250 3.625 3.750
Jumbo 4.250 3.875 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.875 3.250 3.625 3.750
>$417K 4.500 3.875 4.125 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.125 3.250
APR 3.900 3.169 3.660 3.090 3.159 3.304
 
>$417K 4.050 3.250 3.875 3.250 3.500 3.500
APR 4.098 3.257 3.880 3.213 3.530 3.536
 
Jumbo 4.125 3.750 4.375 ------ 3.375 3.500
APR 4.156 3.798 4.398 ------ 3.415 3.526
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.750 4.000
APR 4.276 3.581 4.078 3.519 3.782 4.032
 
******************************* 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 3.750 3.125 3.250 3.500
>$417K 4.250 4.000 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.875 3.250 3.500 3.750
>$417K 4.250 4.000 4.500 ------ 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 3.625 3.000 3.125 3.250
APR 3.871 3.119 3.618 3.017 3.130 3.276
 
>$417K 4.125 3.875 4.375 ------ 3.375 3.500
APR 4.131 3.852 4.362 ------ 3.391 3.502
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.750 4.000
APR 4.246 3.530 4.038 3.445 3.753 4.003
 
******************************* 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 3.750 3.250 3.375 3.625
>$417K 4.625 4.250 4.625 ------ 3.750 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 3.750 3.875
>$417K 4.875 4.250 4.625 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.125 3.250
APR 3.865 3.125 3.615 3.027 3.133 3.280
 
>$417K 4.125 3.875 4.375 ------ 3.375 3.500
APR 4.133 3.857 4.366 ------ 3.393 3.505
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.750 4.000
APR 4.240 3.537 4.034 3.455 3.757 4.007
 
******************************* 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 4.000 3.250 3.875 3.250 3.625 3.750
>$417K 4.875 4.375 4.625 ------ 3.750 3.750
 
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 4.250 4.375
>$417K 4.875 4.375 4.625 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 2.875 3.125 3.250
APR 3.870 3.081 3.645 3.019 3.142 3.305
 
>$417K 4.125 3.875 4.375 ------ 3.375 3.500
APR 4.129 3.850 4.366 ------ 3.389 3.501
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.750 4.000
APR 4.172 3.545 4.050 3.467 3.798 4.048
 
******************************* 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 3.375 4.250 4.375
>$417K 5.125 4.625 4.875 ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 4.625 4.625
>$417K 5.125 4.625 4.875 ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 3.000 3.125 3.250
APR 3.878 3.096 3.669 3.061 3.158 3.303
 
>$417K 4.125 3.875 4.375 ------ 3.375 3.500
APR 4.134 3.858 4.366 ------ 3.394 3.505
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.750 4.000
APR 4.181 3.561 4.063 3.490 3.798 4.049


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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