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奇虎贷款利率-CA, TX, MD, VA,FL- 09月1日星期五

(2017-09-01 16:26:34) 下一个

SUMMARY:今天(09月01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3.750%,15年固定利率稳定在3.
000%,5/1 ARM降稳定至3.125%。购房贷款40万左右,30年固定的利率稳定在3.625%,
15年固定利率稳定在2.875%,5/1 ARM稳定在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 3.750 3.000 3.500 2.875 3.125 3.375
>$417K 3.950 3.250 3.750 ------ 3.500 3.625
Jumbo 3.875 3.500 4.250 ------ 3.250 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.625 3.750
>$417K 4.250 3.750 4.125 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.660 2.955 3.428 2.866 3.034 3.179
 
>$417K 3.750 3.125 3.625 ------ 3.250 3.375
APR 3.782 3.145 3.686 ------ 3.285 3.412
 
Jumbo 3.750 3.250 4.125 ------ 3.125 3.125
APR 3.771 3.328 4.151 ------ 3.141 3.156
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.057 3.474 3.909 3.492 3.411 3.662
 
******************************* 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 3.750 3.000 3.500 2.875 3.125 3.375
>$417K 4.000 3.625 4.250 ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.500 3.750
>$417K 4.000 3.750 4.250 ------ 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 2.990 3.125
APR 3.632 2.905 3.386 2.793 3.020 3.151
 
>$417K 3.750 3.375 4.125 ------ 3.125 3.250
APR 3.767 3.384 4.117 ------ 3.137 3.244
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.028 3.423 3.866 3.419 3.384 3.634
 
******************************* 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 3.750 3.125 3.500 3.000 3.375 3.500
>$417K 4.000 3.750 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.125 3.750 3.875
>$417K 4.125 3.875 4.375 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 2.990 3.125
APR 3.625 2.911 3.383 2.803 3.024 3.155
 
>$417K 3.750 3.375 4.125 ------ 3.125 3.250
APR 3.770 3.389 4.121 ------ 3.140 3.247
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.375 3.375 3.625
APR 4.021 3.430 3.795 3.428 3.387 3.637
 
******************************* 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 3.875 3.125 3.625 3.000 3.875 3.875
>$417K 4.000 3.750 4.375 ------ 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 3.625 3.875 3.500 ------ 4.125
>$417K 4.125 3.875 4.375 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.630 2.919 3.420 2.815 3.034 3.179
 
>$417K 3.750 3.375 4.125 ------ 3.125 3.250
APR 3.768 3.385 4.122 ------ 3.138 3.245
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.250 3.375 3.625
APR 4.026 3.438 3.828 3.395 3.432 3.683
 
******************************* 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 4.000 3.375 3.750 3.250 ------ 4.125
>$417K 4.250 4.000 4.750 ------ 4.250 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.875 3.500 ------ 4.500
>$417K 4.250 4.375 4.750 ------ 4.250 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.639 2.935 3.443 2.837 3.033 3.178
 
>$417K 3.750 3.375 4.125 ------ 3.125 3.250
APR 3.770 3.390 4.122 ------ 3.140 3.247
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.035 3.454 3.894 3.463 3.432 3.683

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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