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奇虎贷款利率-CA, TX, MD, VA,FL, GA, WA- 11月16日星期五

(2018-11-16 12:00:33) 下一个

SUMMARY：今天（11月16日星期五）开盘时的房贷利率价格和上个工作日相比基本持平。

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 $453K, High-Balance Loan $636K, 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
<=$453K 4.875 4.375 4.875 4.375 4.375 4.500
>$453K 5.000 4.500 ------ ------ 4.375 ------
Jumbo 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.125 4.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.803 4.196 4.682 4.228 4.176 4.301
 
>$453K 4.875 4.375 ------ ------ 4.125 ------
APR 4.918 4.430 ------ ------ 4.167 ------
 
Jumbo 5.000 4.625 ------ ------ 4.250 4.375
APR 5.007 4.693 ------ ------ 4.288 4.403
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
APR 5.293 ------ 5.183 ------ ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K 4.875 4.375 4.750 4.375 4.375 4.500
>$453K 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.772 4.145 4.641 4.153 4.146 4.272
 
>$453K 5.000 4.625 ------ ------ 4.250 4.375
APR 4.981 4.648 ------ ------ 4.263 4.377
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
APR 5.262 ------ 5.141 ------ ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K 5.000 4.500 4.875 4.500 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.765 4.151 4.646 4.163 4.150 4.275
 
>$453K 5.000 4.625 ------ ------ 4.250 4.375
APR 4.983 4.653 ------ ------ 4.266 4.380
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
APR 5.255 ------ 5.146 ------ ------ ------
 
******************************* 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
<=$453K 5.000 4.625 4.875 4.625 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.500 5.125 5.625 ------ ------ ------
>$453K 5.250 4.875 5.000 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.770 4.160 4.653 4.175 4.176 4.301
 
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.997 4.533 4.747 ------ 4.253 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 ------ 5.125 ------ ------ ------
APR 5.179 ------ 5.153 ------ ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo 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
<=$453K 5.125 ------ 5.125 ------ ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.375 ------ 5.250 ------ ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.780 4.176 4.665 4.198 4.175 4.300
 
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.998 4.534 4.747 ------ 4.253 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
APR 5.269 ------ 5.166 ------ ------ ------
 
******************************* GEORGIA *******************************
(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
<=$453K 5.125 4.625 5.000 4.625 ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.795 4.202 4.686 4.236 4.189 4.315
 
>$453K 5.000 4.625 ------ ------ 4.250 4.375
APR 4.990 4.664 ------ ------ 4.272 4.387
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
APR 5.285 ------ 5.187 ------ ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K, 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
<=$453K 4.875 4.375 4.750 4.375 4.375 4.500
>$453K 5.250 ------ ------ ------ ------ ------
Jumbo 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.625 4.125 4.125 4.250
APR 4.772 4.144 4.640 4.152 4.146 4.271
 
>$453K 5.000 4.625 ------ ------ 4.250 4.375
APR 4.980 4.647 ------ ------ 4.263 4.377
 
Jumbo 5.000 4.625 ------ ------ 4.250 4.375
APR 4.975 4.638 ------ ------ 4.258 4.372
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 ------ 5.125 ------ ------ ------
APR 5.261 ------ 5.140 ------ ------ ------
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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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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