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奇虎貸款利率-CA, TX, MD, VA,FL- 08月31日 星期三

(2016-08-31 10:55:19) 下一個

SUMMARY:今天(08月31日 星期三)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3.375%,15年固定利率穩定在2.750%,
5/1 ARM穩定在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
利率穩定在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    2.875    3.375     2.750     3.375      3.625
Jumbo        4.000    3.500     -----        ------    3.375      3.375
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.750     3.250        3.500
>$417K      3.990     3.375    3.875       ------      -----      4.375
   
                   
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       2.750
APR           3.255    2.590    3.166    2.605     2.677      2.803
                    
>$417K      3.375    2.750    3.250       2.750     3.125        3.250
APR           3.419    2.819    3.297       2.779     3.159        3.292
                       
Jumbo        3.750     3.250     -----       -----     3.125       3.125
APR            3.786     3.317     -----       -----     3.161       3.156
    
                                                      
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    3.500        3.625
APR           3.680    3.077    3.455    3.017    3.553       3.672

 

 


******************************** 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    2.750    3.375    2.750     3.125        3.375
>$417K      -----       -----      ------        -----     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       3.625      3.750
>$417K      4.625      -----      ------      -------       3.625    -----

                       
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       2.750
APR           3.285    2.588    3.162    2.603    2.678       2.803
                       
>$417K      3.750    3.375    -----       ------     3.125       3.125
APR           3.760     3.399    -----      ------     3.136       3.131
                       
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    3.500       3.625
APR           3.650    3.072    3.435    2.992    3.534       3.669

 

******************************** 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      4.000      3.625      ------      ------    3.375      3.375
                       
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     2.750     3.125         3.375
>$417K      4.000     3.625      -----     -----     3.500         3.375
                       
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           3.254    2.540    3.093    2.455    2.751        2.891
                       
>$417K      3.750    3.375    -----      ------    3.125         3.125
APR           3.762    3.402    -----      ------     3.138        3.133
                       
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    3.500       3.625
APR           3.652    3.016    3.414    2.944    3.522       3.638

 


******************************** 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    3.375    2.750    3.250    2.750     3.000        3.250
>$417K      4.500       ------       ------       ------    3.625       ----
-
                       
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     3.250         3.500
>$417K      -----      ------       ------      ------     3.625        ----
-
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.200    2.500    3.000    2.500    2.750       2.875
APR           3.225    2.547    3.041    2.542    2.755        2.895
                       
>$417K      3.750    3.375    -----      ------    3.125         3.125
APR           3.764    3.509    -----      ------     3.140        3.135
   
                   
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    3.500       3.625
APR           3.646    3.023    3.419    2.954    3.525        3.642

 


******************************** 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    3.750        3.750
>$417K      4.125      4.125      ------      ------    -----      3.500
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    3.125   3.625     3.000     -----         4.125
>$417K      4.125     4.125      ------     ------     -----        3.625
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.375    2.750        2.875
APR           3.296    2.582    3.179    2.468    2.781        2.917
                       
>$417K      3.750    3.375    -----      ------    3.125         3.125
APR           3.765    3.407    -----      ------     3.141        3.136
                       
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           3.659    3.094    3.453    3.015    3.667       3.682

 


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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