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奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 6月12日星期三

(2019-06-12 12:54:52) 下一个

SUMMARY：今天（6月12日星期三)开盘时的房贷利率价格和上个工作日略有下降。 

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 $484K, 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
<=$484K 3.875 3.125 3.750 3.125 3.625 3.625
>$484K 4.000 3.250 3.875 3.250 3.875 4.625
Jumbo 4.375 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.375 3.750 3.750
>$484K 4.500 3.875 4.375 4.000 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.625 3.000 3.375 3.500
APR 3.759 3.052 3.680 3.049 3.404 3.519
 
>$484K 3.875 3.250 3.750 3.250 3.750 4.500
APR 3.898 3.261 3.803 3.231 3.773 4.526
 
Jumbo 4.125 3.500 ------ ------ 3.500 3.625
APR 4.153 3.530 ------ ------ 3.516 3.642
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
APR 4.302 3.678 4.196 3.675 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, 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
<=$484K 3.750 3.125 3.750 3.125 3.500 3.625
>$484K 4.375 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.875 3.250 3.750 3.750
>$484K 4.875 4.000 ------ ------ 4.375 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.625 3.000 3.375 3.500
APR 3.732 3.004 3.643 2.980 3.377 3.492
 
>$484K 4.125 3.500 ------ ------ 3.500 3.625
APR 4.131 3.492 ------ ------ 3.495 3.620
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
APR 4.274 3.629 4.157 3.605 ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, 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
<=$484K 3.875 3.250 3.875 3.125 3.625 3.750
>$484K 4.500 3.875 ------ ------ 4.125 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 4.000 3.375 ------ 4.750
>$484K 5.125 4.250 ------ ------ ------ 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.625 3.000 3.375 3.500
APR 3.651 3.010 3.647 2.988 3.381 3.495
 
>$484K 4.125 3.500 ------ ------ 3.500 3.625
APR 4.133 3.496 ------ ------ 3.498 3.623
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
APR 4.266 3.635 4.162 3.613 ------ ------
 
******************************* 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
<=$484K 3.875 3.375 3.875 3.375 ------ ------
>$484K 5.000 4.125 ------ ------ ------ 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.750 4.125 4.375 4.125 ------ ------
>$484K 5.125 4.250 ------ ------ ------ 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.625 3.000 3.375 3.500
APR 3.660 3.027 3.660 3.013 3.410 3.525
 
>$484K 4.500 3.750 ------ ------ 3.875 3.875
APR 4.517 3.741 ------ ------ 3.891 3.891
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 4.000 3.625 ------ ------
APR 4.057 3.652 4.065 3.638 ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo Loan $562K. 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
<=$484K 3.750 3.125 3.750 3.000 3.500 3.500
>$484K 4.250 3.625 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.500 3.000 3.375 3.500
APR 3.643 2.996 3.520 2.968 3.373 3.488
 
>$484K 4.125 3.500 ------ ------ 3.500 3.625
APR 4.138 3.505 ------ ------ 3.503 3.628
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
APR 4.258 3.621 4.151 3.593 ------ ------
 
******************************* 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
<=$484K 4.000 3.625 4.000 3.625 ------ ------
>$484K 5.250 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.750 4.375 3.625 ------ ------
>$484K ------ 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.625 3.000 3.375 3.500
APR 3.669 3.042 3.672 3.035 3.408 3.524
 
>$484K 4.500 3.750 ------ ------ 3.875 3.875
APR 4.520 3.746 ------ ------ 3.893 3.894
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.000 3.625 ------ ------
APR 4.181 3.668 4.077 3.660 ------ ------
 
******************************* 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
<=$484K 4.000 3.375 4.000 3.375 ------ ------
>$484K 4.500 4.125 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
>$484K 5.125 4.250 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.625 3.000 3.375 3.500
APR 3.683 3.067 3.692 3.072 3.423 3.538
 
>$484K 4.125 3.500 ------ ------ 3.500 3.625
APR 4.143 3.513 ------ ------ 3.507 3.632
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.000 3.625 ------ ------
APR 4.196 3.694 4.097 3.698 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, 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
<=$484K 3.750 3.125 3.750 3.125 3.500 3.625
>$484K 4.375 3.750 ------ ------ 3.875 3.875
Jumbo 4.375 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.875 3.250 3.750 3.750
>$484K 4.875 4.000 ------ ------ 4.375 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.625 3.000 3.375 3.500
APR 3.732 3.004 3.642 2.979 3.377 3.492
 
>$484K 4.125 3.500 ------ ------ 3.500 3.625
APR 4.130 3.491 ------ ------ 3.495 3.620
 
Jumbo 4.125 3.500 ------ ------ 3.500 3.625
APR 4.125 3.482 ------ ------ 3.490 3.615
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
APR 4.273 3.629 4.157 3.604 ------ ------
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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