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奇虎貸款利率-CA, TX, MD, VA,FL- 04月14日 星期五

(2017-04-14 12:33:38) 下一個

SUMMARY:今天(04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年固定利率下降到3.950%,15年固定利率穩定在3.
250%,5/1 ARM穩定在3.125%。購房貸款40萬左右,30年固定的利率上升到3.875%,
15年固定利率穩定在3.000%,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    3.950    3.250    3.625    3.000    3.125      3.375
>$417K      4.125    3.250    3.875     3.250    3.625      3.750
Jumbo        4.125    3.625    4.250        ------    3.500      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    3.750    3.250     3.625        3.625
>$417K      4.250     3.750    4.250       ------     3.750      3.750
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.000    3.500    2.875    3.000         3.250
APR           3.890    3.098    3.563   2.972     3.034        3.274
                     
>$417K      3.990    3.250    3.750       3.125     3.250        3.500
APR           4.037    3.237    3.793       3.192     3.295        3.538
                        
Jumbo        4.000     3.500      4.125     -----     3.375        3.500
APR            4.034     3.545     4.147       -----     3.406        3.514
     
                                                       
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    3.625         3.750
APR           4.182    3.544    3.994    3.492    3.657       3.782





******************************** 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    3.250     3.625        3.625
>$417K      4.375    4.000     4.375       -----      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   3.500    3.875    3.500      4.875       4.125
>$417K      4.375    4.125    4.375      ------       3.750       3.875

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.500    2.875    3.000       3.250
APR           3.786    3.063    3.548    2.918     3.034       3.268
                        
>$417K      4.125    3.625    4.125       ------     3.375       3.500
APR           4.092     3.607    4.116      ------     3.380       3.489
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    4.125   3.375    3.950    3.375    3.625       3.750
APR           4.151    3.475    3.979    3.440    3.672     3.798



******************************** 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    3.950    3.250    3.625    3.000     3.125        3.375
>$417K      4.125       3.750      4.250        -----      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    3.750    3.250      3.625       3.625
>$417K      4.250      3.875      4.250      -----       3.625     3.625

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.000    3.500    2.875    3.000       3.250
APR           3.861    3.048    3.521    2.887    3.006       3.247
                        
>$417K      4.125    3.625    4.125       ------     3.325       3.500
APR           4.093     3.606    4.112      ------     3.382       3.490
                        
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    3.625       3.750
APR           4.153    3.494    3.951    3.419    3.628      3.760




******************************** 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    4.000    3.250    3.750    3.125     3.250       3.500
>$417K      4.375       4.000      4.375      ------    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   3.750     3.250     3.750         3.750 
>$417K      4.375      4.000       4.375      ------      3.875     3.875
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.500    2.875   3.000        3.250
APR           3.781    3.054    3.517    2.897    3.010        3.250
                        
>$417K      4.125    3.625    4.125      ------    3.375          3.500
APR           4.096    3.611    4.116      ------    3.384          3.493
    
                    
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   3.625        3.750
APR           4.146    3.500    3.948    3.428    3.632        3.757




******************************** 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    3.950    3.375    4.875         4.125
>$417K       4.500      4.375      4.625      ------     4.125      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     -----         ------
>$417K      4.625      4.375      4.625     ------      4.125       4.125 
                        
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    3.000        3.250           
    
APR           3.794    3.078    3.618    2.968    3.033        3.273
                        
>$417K      4.125    3.625    4.125    ------     3.375         3.500
APR           4.096    3.611    4.116      ------      3.385        3.493
                        
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    3.625       3.750
APR           4.160    3.524   4.003    3.463    3.673       3.798



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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