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奇虎貸款利率-CA, TX, MD, VA,FL- 12月29日星期四

(2016-12-29 12:20:46) 下一個

SUMMARY:今天(12月29日 星期四)開盤時的房貸利率價格和上個工作日相比趨於持平
。目前重新貸款40萬左右的利率,30年固定利率穩定在4.125%,15年固定利率穩定至
3.375%,5/1 ARM穩定在3.500%。購房貸款40萬左右,30年固定的利率穩定在3.990%,
15年固定利率穩定在3.250%,5/1 ARM降低至2.990%.

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。

(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 4.125 3.375 3.875 3.250 3.500 3.750
>$417K 4.250 3.625 4.125 4.000 3.750 4.000
Jumbo 4.375 3.875 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.875 3.990
>$417K 4.500 4.375 4.125 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.045 3.276 3.808 3.258 3.039 3.409
 
>$417K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.145 3.529 4.039 3.455 3.539 3.785
 
Jumbo 4.250 3.625 ------ ------ 3.375 3.625
APR 4.257 3.685 ------ ------ 3.414 3.660
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.125 4.250
APR 4.422 3.725 4.251 3.769 4.180 4.305
 
******************************* 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 4.125 3.375 3.875 3.250 3.500 3.625
>$417K 4.375 4.000 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.875 3.375 3.750 3.875
>$417K 4.500 4.125 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.006 3.222 3.768 3.179 3.002 3.277
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.253 3.743 ------ ------ 3.390 3.640
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.125 3.990
APR 4.393 3.674 4.210 3.695 4.140 4.017
 
******************************* 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 4.125 3.375 3.875 3.250 3.625 3.750
>$417K 4.500 4.250 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.000 3.990
>$417K 4.625 4.375 ------ ------ 3.875 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.010 3.229 3.773 3.189 3.006 3.281
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.256 3.747 ------ ------ 3.392 3.643
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.125 3.990
APR 4.386 3.680 4.216 3.705 4.144 4.021
 
******************************* 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 4.250 3.500 4.000 3.500 3.875 3.990
>$417K 4.500 4.250 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.125 3.625 ------ 4.500
>$417K 4.625 4.375 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.038 3.241 3.807 3.255 3.032 3.402
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.254 3.744 ------ ------ 3.388 3.638
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.250 3.625 4.125 4.250
APR 4.308 3.689 4.250 3.717 4.172 4.298
 
******************************* 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 4.250 3.625 4.125 3.500 ------ 4.500
>$417K 4.625 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
>$417K 4.750 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.125 2.990 3.375
APR 4.006 3.256 3.773 3.193 3.044 3.414
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.257 3.748 ------ ------ 3.393 3.643
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.625 4.125 4.250
APR 4.400 3.705 4.177 3.747 4.185 4.310

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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