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奇虎貸款利率-CA, TX, MD, VA,FL- 07月14日 星期五

(2017-07-14 18:23:34) 下一個

SUMMARY:今天(07月14日 星期五)開盤時的房貸利率價格和上個工作日相比略微下降
。目前重新貸款40萬左右的利率,30年固定利率下降在3.875%,15年固定利率下降在3.
125%,5/1 ARM下降在3.250%。購房貸款40萬左右,30年固定的利率穩定在3.875%,
15年固定利率穩定在3.000%,5/1 ARM穩定在3.125%.

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 3.875 3.125 3.750 3.125 3.250 3.375
>$417K 4.125 3.250 3.875 3.250 3.500 3.625
Jumbo 4.000 3.625 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.750 3.875
>$417K 4.125 3.750 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 2.875 3.125 3.250
APR 3.879 3.080 3.647 3.017 3.159 3.284
 
>$417K 3.875 3.250 3.750 3.250 3.250 3.250
APR 3.923 3.238 3.816 3.203 3.273 3.298
 
Jumbo 3.875 3.500 4.250 ------ 3.375 3.500
APR 3.919 3.536 4.276 ------ 3.403 3.515
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.500 3.750
APR 4.265 3.599 4.049 3.519 3.537 3.787
 
******************************* 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 3.875 3.125 3.750 3.125 3.250 3.375
>$417K 4.125 3.750 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.625 3.250 3.625 3.875
>$417K 4.125 3.875 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.800 2.990 3.625 2.875 3.125 3.250
APR 3.823 3.031 3.605 2.944 3.131 3.256
 
>$417K 3.875 3.500 4.250 ------ 3.375 3.500
APR 3.895 3.530 4.242 ------ 3.383 3.498
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.200 3.500 4.000 3.375 3.500 3.750
APR 4.226 3.537 4.009 3.445 3.509 3.759
 
******************************* 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 3.950 3.250 3.750 3.125 3.500 3.625
>$417K 4.250 3.875 4.500 ------ 3.750 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.875 3.990
>$417K 4.375 4.000 4.500 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.990 3.500 2.875 3.125 3.250
APR 3.781 3.037 3.544 2.933 3.135 3.260
 
>$417K 3.875 3.500 4.250 ------ 3.375 3.500
APR 3.897 3.534 4.246 ------ 3.386 3.500
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.500 3.750
APR 4.157 3.544 3.993 3.455 3.512 3.763
 
******************************* 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 4.000 3.250 3.875 3.250 3.625 3.875
>$417K 4.250 4.000 4.500 ------ 3.750 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.000 3.625 ------ 4.375
>$417K 4.375 4.125 4.500 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.990 3.625 2.875 3.125 3.250
APR 3.786 3.102 3.639 2.966 3.156 3.285
 
>$417K 3.875 3.500 4.250 ------ 3.375 3.500
APR 3.893 3.531 4.247 ------ 3.382 3.496
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.500 3.750
APR 4.161 3.564 4.031 3.467 3.557 3.808
 
******************************* 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 4.125 3.500 4.000 3.375 ------ 4.250
>$417K 4.375 4.500 4.875 ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 ------ ------
>$417K 4.500 4.500 4.875 ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 2.875 3.125 3.250
APR 3.794 3.060 3.663 2.989 3.158 3.283
 
>$417K 3.875 3.500 4.250 ------ 3.375 3.500
APR 3.898 3.535 4.247 ------ 3.386 3.501
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.170 3.579 4.034 3.490 3.558 3.809

 

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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