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奇虎貸款利率 - CA, TX, MD, VA, FL, GA, WA - 5月24日星期五

(2019-05-24 10:37:37) 下一個

SUMMARY：今天（5月24日星期五)開盤時的房貸利率價格和上個工作日相比基本持平。

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 $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 3.875 3.375 3.875 3.375 3.625 3.750
>$484K 4.125 3.375 4.000 3.250 4.000 4.500
Jumbo 4.375 3.750 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.000 3.625 3.875 3.875
>$484K 4.500 4.000 4.375 3.875 5.000 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.750 3.250 3.375 3.625
APR 3.874 3.302 3.806 3.300 3.424 3.644
 
>$484K 3.875 3.250 3.875 3.250 3.875 4.250
APR 3.916 3.303 3.920 3.271 3.898 4.293
 
Jumbo 4.125 3.625 ------ ------ 3.375 3.625
APR 4.163 3.637 ------ ------ 3.409 3.642
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ 4.750
APR 4.416 3.947 4.321 3.952 ------ 4.804
 
******************************* 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 3.875 3.375 3.875 3.375 3.625 3.750
>$484K 4.375 3.750 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 4.000 3.500 3.875 3.875
>$484K 4.750 4.125 ------ ------ 4.250 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.750 3.250 3.375 3.625
APR 3.847 3.254 3.768 3.230 3.397 3.617
 
>$484K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.141 3.599 ------ ------ 3.388 3.620
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ 4.750
APR 4.388 3.898 4.283 3.881 ------ 4.775
 
******************************* 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 4.000 3.375 3.875 3.375 3.750 3.875
>$484K 4.500 4.000 ------ ------ 4.125 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 4.625 4.500
>$484K 5.000 4.250 ------ ------ ------ 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.250 3.750 3.250 3.375 3.625
APR 3.776 3.260 3.772 3.238 3.401 3.620
 
>$484K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.143 3.602 ------ ------ 3.390 3.623
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ 4.750
APR 4.381 3.904 4.287 3.890 ------ 4.778
 
******************************* 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 4.000 3.625 4.000 3.625 4.750 4.750
>$484K 4.875 4.250 ------ ------ ------ 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.625 4.125 4.375 4.125 ------ ------
>$484K 5.000 4.250 ------ ------ ------ 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.125 3.750 3.125 3.375 3.625
APR 3.786 3.224 3.785 3.243 3.430 3.650
 
>$484K 4.500 3.750 ------ ------ 3.500 3.750
APR 4.497 3.766 ------ ------ 3.516 3.770
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.750 4.250 3.750 ------ ------
APR 4.297 3.851 4.301 3.869 ------ ------
 
******************************* 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 3.875 3.375 3.875 3.250 3.625 3.625
>$484K 4.375 3.750 ------ ------ 3.750 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 3.750 3.250 3.750 3.250 3.375 3.625
APR 3.768 3.246 3.761 3.218 3.393 3.613
 
>$484K 4.250 3.625 ------ ------ 3.500 3.625
APR 4.242 3.611 ------ ------ 3.513 3.628
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ 4.750
APR 4.373 3.889 4.276 3.869 ------ 4.755
 
******************************* 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 4.250 3.750 4.250 3.750 ------ ------
>$484K 5.125 4.500 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.000 4.375 4.000 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.250 3.750 3.125 3.375 3.625
APR 3.794 3.292 3.798 3.266 3.429 3.649
 
>$484K 4.500 3.750 ------ ------ 3.500 3.750
APR 4.500 3.770 ------ ------ 3.519 3.773
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.875 4.250 3.750 ------ ------
APR 4.306 3.937 4.313 3.892 ------ ------
 
******************************* 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 4.250 3.625 4.125 3.625 ------ 4.750
>$484K 4.625 4.250 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ ------
>$484K 5.000 4.375 ------ ------ ------ 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.250 3.750 3.125 3.375 3.625
APR 3.809 3.318 3.818 3.303 3.443 3.663
 
>$484K 4.125 3.625 ------ ------ 3.500 3.625
APR 4.153 3.619 ------ ------ 3.517 3.632
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.875 4.250 3.750 ------ ------
APR 4.321 3.963 4.334 3.930 ------ ------
 
******************************* 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 3.875 3.375 3.875 3.375 3.625 3.750
>$484K 4.375 3.750 ------ ------ 3.750 3.875
Jumbo 4.375 3.750 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 4.000 3.500 3.875 3.875
>$484K 4.750 4.125 ------ ------ 4.250 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.750 3.250 3.375 3.625
APR 3.846 3.254 3.767 3.229 3.397 3.617
 
>$484K 4.125 3.625 ------ ------ 3.375 3.625
APR 4.141 3.598 ------ ------ 3.388 3.620
 
Jumbo 4.125 3.625 ------ ------ 3.375 3.625
APR 4.135 3.588 ------ ------ 3.382 3.615
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ 4.750
APR 4.388 3.897 4.282 3.880 ------ 4.774
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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