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奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 6月24日星期一

(2019-06-24 10:56:40) 下一个

SUMMARY：今天（6月24日星期一)开盘时的房贷利率价格和上个工作日基本持平。

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 $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 3.625 3.125 3.625 3.625
>$484K 3.875 3.250 3.750 3.250 4.000 4.500
Jumbo 4.250 3.750 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.875 3.250 3.875 3.875
>$484K 4.375 3.750 4.250 3.750 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.375 3.000 3.375 3.500
APR 3.549 3.034 3.431 3.023 3.414 3.519
 
>$484K 3.750 3.125 3.625 3.000 3.750 4.250
APR 3.785 3.148 3.646 3.113 3.783 4.273
 
Jumbo 4.000 3.500 ------ ------ 3.500 3.625
APR 4.027 3.530 ------ ------ 3.527 3.642
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.500 4.000 3.500 ------ ------
APR 4.291 3.571 4.071 3.576 ------ ------
 
******************************* 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 3.625 3.125 3.625 3.000 3.500 3.625
>$484K 4.250 3.750 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.875 3.250 3.750 3.750
>$484K 4.750 4.000 ------ ------ 4.375 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.375 3.000 3.375 3.500
APR 3.523 2.986 3.394 2.954 3.387 3.492
 
>$484K 4.000 3.500 ------ ------ 3.500 3.625
APR 4.006 3.492 ------ ------ 3.506 3.620
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.500 4.000 3.500 ------ ------
APR 4.263 3.523 4.032 3.506 ------ ------
 
******************************* 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 3.750 3.125 3.750 3.125 3.625 3.750
>$484K 4.375 3.875 ------ ------ 4.125 4.250
 
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 3.375 4.750 4.500
>$484K 5.000 4.250 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.375 3.000 3.375 3.500
APR 3.516 2.992 3.398 2.962 3.391 3.495
 
>$484K 4.000 3.500 ------ ------ 3.500 3.625
APR 4.008 3.496 ------ ------ 3.508 3.623
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.500 4.000 3.500 ------ ------
APR 4.152 3.528 4.037 3.515 ------ ------
 
******************************* 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 3.250 3.875 3.250 ------ 4.750
>$484K 4.875 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 4.000 ------ ------
>$484K 5.000 4.250 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.500 3.000 3.375 3.500
APR 3.525 3.009 3.521 2.986 3.420 3.525
 
>$484K 4.375 3.750 ------ ------ 3.875 4.000
APR 4.380 3.740 ------ ------ 3.882 4.001
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.375 ------ ------
APR 4.047 3.545 4.050 3.520 ------ ------
 
******************************* 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 3.625 3.000 3.625 3.000 3.500 3.500
>$484K 4.250 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 ------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.375 3.000 3.375 3.500
APR 3.508 2.978 3.380 2.942 3.383 3.488
 
>$484K 4.000 3.500 ------ ------ 3.500 3.625
APR 4.013 3.505 ------ ------ 3.513 3.628
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.500 4.000 3.500 ------ ------
APR 4.143 3.514 4.025 3.494 ------ ------
 
******************************* 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 3.500 4.000 3.375 ------ ------
>$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 3.625 4.250 3.625 ------ ------
>$484K ------ 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.500 3.000 3.375 3.500
APR 3.534 3.024 3.533 3.009 3.418 3.524
 
>$484K 4.375 3.750 ------ ------ 3.875 4.000
APR 4.383 3.744 ------ ------ 3.885 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.500 ------ ------
APR 4.056 3.561 4.063 3.562 ------ ------
 
******************************* 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 3.875 3.375 3.875 3.375 ------ 4.750
>$484K 4.500 4.125 ------ ------ 4.250 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.500 4.000 3.500 ------ ------
>$484K 5.125 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.500 3.000 3.375 3.500
APR 3.548 3.049 3.553 3.046 3.433 3.538
 
>$484K 4.000 3.500 ------ ------ 3.500 3.625
APR 4.018 3.513 ------ ------ 3.517 3.632
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.500 ------ ------
APR 4.070 3.587 4.083 3.599 ------ ------
 
******************************* 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 3.625 3.125 3.625 3.000 3.500 3.625
>$484K 4.250 3.750 ------ ------ 3.875 4.000
Jumbo 4.250 3.750 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.875 3.250 3.750 3.750
>$484K 4.750 4.000 ------ ------ 4.375 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.375 3.000 3.375 3.500
APR 3.522 2.986 3.393 2.953 3.387 3.492
 
>$484K 4.000 3.500 ------ ------ 3.500 3.625
APR 4.005 3.491 ------ ------ 3.505 3.620
 
Jumbo 4.000 3.500 ------ ------ 3.500 3.625
APR 4.000 3.482 ------ ------ 3.500 3.615
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.500 4.000 3.500 ------ ------
APR 4.263 3.522 4.032 3.505 ------ ------
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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