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奇虎貸款利率-CA, TX, MD, VA,FL- 10月04日 星期二

(2016-10-04 12:44:15) 下一個

SUMMARY:今天(10月04日 星期二)開盤時的房貸利率價格和上個工作日相比持平。目前
重新貸款40萬左右的利率,30年固定利率穩定至3.375%,15年固定利率穩定在2.750%,
5/1 ARM上漲在3.000%。購房貸款40萬左右,30年固定的利率穩定在3.250%,15年固定
利率上漲在2.625%,5/1 ARM穩定在2.750%

注:除非特別說明,以下列出的利率都是基於本帖底部的貸款參數,並且是帶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    3.375    2.750    3.125    2.625    3.000      3.250
>$417K      3.550    2.750    3.375     2.875     3.250      3.250
Jumbo        3.750    3.125     -----        ------    3.125      3.125
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.875    3.250    2.750     3.250        3.500
>$417K      3.875     3.375    3.750       3.625      3.375      3.250
   
                   
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.750       2.875
APR           3.302    2.658    3.125    2.556     2.789      2.924
                    
>$417K      3.375    2.750    3.250       2.750     3.000        3.000
APR           3.415    2.746    3.301       2.807     3.043        3.043
                       
Jumbo        3.625     3.000     -----       -----     3.000       3.000
APR            3.632     3.305     -----       -----     3.020       3.020
    
                                                      
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375  2.875    3.625        3.625
APR           3.670    3.060    3.446    3.017    3.671       3.683

 


******************************** 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    3.500    2.875    3.250    2.750     3.125        3.500
>$417K      3.875       4.000      ------        -----     -----      3.500
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500    3.000       3.750      3.875
>$417K      4.000      -----      ------      -------       -----    3.500

                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.000    2.500    2.750       2.875
APR           3.285    2.653    3.050    2.517    2.773       2.923
                       
>$417K      3.625    3.000    -----       ------     3.000       3.000
APR           3.629     3.030    -----      ------     2.995       2.996
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375    2.875    3.625       3.750
APR           3.640    3.054    3.442    2.966    3.657       3.785

 

******************************** 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    3.375    2.750    3.125    2.500     2.875        3.125
>$417K      3.875       3.250      ------        -----     3.125      3.125
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500   2.750    3.250    2.625       3.250      3.500
>$417K      3.875      4.125      ------      -------       3.250    3.250

                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.000    2.500    2.750       2.875
APR           3.268    2.547    3.033    2.565    2.748       2.897
                       
>$417K      3.625    3.000    -----       ------     3.000       3.000
APR           3.629     3.028    -----      ------     2.996       2.997
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375    2.875    3.625       3.625
APR           3.642    2.999    3.398    2.944    3.637       3.648

 


******************************** 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    3.490    2.750    3.250    2.625     3.125        3.375
>$417K      3.875       4.000       ------       ------    -----       3.500
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.875   3.375     2.750     3.375         3.625
>$417K      4.000      -----       ------      ------     -----        3.500
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.000    2.500    2.750       2.875
APR           3.272    2.554    3.038    2.452    2.766        2.901
                       
>$417K      3.625    3.000    -----      ------    3.000         3.000
APR           3.631    3.033    -----      ------    2.999       2.999
   
                   
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.990    3.375    2.875    3.625       3.625
APR           3.635    3.005    3.404    2.954    3.641        3.652

 


******************************** 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    3.625    3.000    3.500    2.875    3.875        3.875
>$417K      4.125      -----      ------      ------    -----      -----
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125   3.500     3.000     -----         4.250
>$417K      4.250     -----      ------     ------     -----       -----
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.750        2.875
APR           3.286    2.582    3.122    2.511    2.785        2.920
                       
>$417K      3.625    3.000    -----      ------    3.000         3.000
APR           3.632    3.034    -----      ------     2.999        3.000
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.990    3.500    2.875    3.625       3.750
APR           3.649    3.076    3.509    2.989    3.677       3.797

 


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:以上凡是沒有表明利率的loan program,意味著該program做不了no point的貸款
,需要收point才能做。

奇虎貸款NMLS ID: 1169300

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