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奇虎貸款利率-CA, TX, MD, VA,FL- 08月04日星期五

(2017-08-04 15:34:01) 下一個

SUMMARY:今天(08月04日 星期五)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年固定利率穩定在3.875%,15年固定利率穩定在3.
125%,5/1 ARM穩定在3.250%。購房貸款40萬左右,30年固定的利率穩定在3.750%,
15年固定利率穩定在2.990%,5/1 ARM穩定在3.000%.

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 3.625 3.000 3.250 3.375
>$417K 3.990 3.250 3.875 3.250 3.500 3.500
Jumbo 4.000 3.625 4.250 ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.125 3.625 3.750
>$417K 4.125 3.750 4.125 ------ 3.500 3.500
 
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 3.000 3.125
APR 3.785 3.084 3.562 2.965 3.043 3.179
 
>$417K 3.750 3.125 3.750 3.000 3.250 3.375
APR 3.794 3.171 3.763 3.095 3.297 3.394
 
Jumbo 3.875 3.375 4.125 ------ 3.250 3.250
APR 3.893 3.446 4.151 ------ 3.279 3.281
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.500 3.500 3.625
APR 4.161 3.563 4.022 3.564 3.537 3.662
 
******************************* 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 3.625 3.000 3.250 3.375
>$417K 4.000 3.750 4.250 ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.125 3.500 3.750
>$417K 4.000 3.625 4.250 ------ 3.500 3.500
 
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 3.000 3.125
APR 3.757 3.016 3.517 2.892 3.016 3.151
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.869 3.508 4.117 ------ 3.256 3.258
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.500 3.500 3.625
APR 4.132 3.512 3.979 3.491 3.509 3.634
 
******************************* 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 3.875 3.250 3.750 3.125 3.375 3.500
>$417K 4.250 3.875 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.250 3.750 3.875
>$417K 4.250 4.000 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.990 3.500 2.875 3.000 3.125
APR 3.750 3.023 3.513 2.902 3.020 3.155
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.872 3.513 4.121 ------ 3.259 3.261
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.500 3.500 3.625
APR 4.125 3.519 3.976 3.501 3.512 3.637
 
******************************* 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 3.750 3.125 3.625 3.875
>$417K 4.250 3.875 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.950 3.625 ------ 4.250
>$417K 4.250 4.000 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 3.000 3.125
APR 3.681 2.973 3.556 2.893 3.038 3.179
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.868 3.509 4.122 ------ 3.255 3.257
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.375 3.500 3.625
APR 4.130 3.475 3.939 3.493 3.557 3.683
 
******************************* 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 3.375 3.875 3.375 ------ 4.125
>$417K 4.375 4.500 4.750 ------ 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 3.625 4.000 3.500 ------ ------
>$417K 4.375 4.500 4.750 ------ 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 3.000 3.125
APR 3.764 3.097 3.576 2.936 3.043 3.178
 
>$417K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.873 3.514 4.122 ------ 3.259 3.261
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.875 3.375 3.500 3.625
APR 4.139 3.543 3.952 3.516 3.558 3.683

 

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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