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奇虎贷款利率 - CA, FL, GA, IL, MD, TX, VA, WA - 9月19日星期四

(2019-09-19 11:22:43) 下一个

SUMMARY:今天(9月19日星期四)股市股市行情大幅上涨,美10年期国债收益率出现波动,房贷利率价格相对昨天出现下降。目前重新贷款40万左右的利率,30年为3.75%,15年上涨为3.25%。购房贷款40万左右,30年仍为3.50%,15年为3.0%。

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 $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 3.250 3.625 3.125 3.625 3.625
>$484K 3.875 3.375 ------ ------ ------ ------
Jumbo 4.500 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.750 3.375 4.000 4.000
>$484K 4.500 4.000 ------ ------ ------ ------
 
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 3.375
APR 3.539 3.052 3.527 3.049 3.414 3.414
 
>$484K 3.750 3.250 ------ ------ 3.875 ------
APR 3.783 3.308 ------ ------ 3.919 ------
 
Jumbo 4.125 3.875 ------ ------ 4.125 4.375
APR 4.153 3.887 ------ ------ 4.153 4.414
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.750 4.000 3.750 ------ ------
APR 4.302 3.822 4.071 3.827 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 3.500
>$484K 4.500 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.750 3.250 4.000 3.875
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
******************************* 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 loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, 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 loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
******************************* 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 loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
******************************* 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 loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
Jumbo loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
>$484K loading... loading... loading... loading... loading... loading...
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
>$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
Jumbo loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K loading... loading... loading... loading... loading... loading...
APR loading... loading... loading... loading... loading... loading...

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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