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奇虎貸款利率-CA, TX, MD, VA,FL- 05月18日星期四

(2017-05-18 18:20:27) 下一個

SUMMARY:今天(05月18日 星期四)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3.125%,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 3.250 3.500 3.125 3.250 3.500
>$417K 4.000 3.250 3.875 3.250 3.500 3.625
Jumbo 4.000 3.500 4.375 ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.250 3.625 3.250 3.500 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 3.750 3.000 3.375 3.000 3.000 3.250
APR 3.787 3.080 3.444 3.037 3.053 3.290
 
>$417K 3.990 3.125 3.750 3.125 3.375 3.500
APR 4.033 3.189 3.767 3.233 3.403 3.512
 
Jumbo 3.875 3.375 4.250 ------ 3.250 3.375
APR 3.908 3.424 4.272 ------ 3.291 3.400
 
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 3.625 3.750
APR 4.171 3.581 3.912 3.492 3.657 3.782
 
******************************* 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 3.250 3.500 3.125 3.250 3.375
>$417K 4.125 3.625 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 3.950 3.250 3.625 3.250 3.500 3.625
>$417K 4.125 3.750 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.375 2.875 3.000 3.250
APR 3.757 3.030 3.402 2.942 3.026 3.266
 
>$417K 4.000 3.500 4.250 ------ 3.250 3.375
APR 3.973 3.481 4.237 ------ 3.268 3.376
 
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 3.625 3.750
APR 4.147 3.530 3.870 3.419 3.628 3.753
 
******************************* 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 3.625 3.125 3.375 3.625
>$417K 4.125 3.750 4.500 ------ 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 3.375 3.750 3.250 3.625 3.750
>$417K 4.250 4.000 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.375 2.875 3.000 3.250
APR 3.755 3.036 3.399 2.951 3.030 3.270
 
>$417K 4.000 3.500 4.250 ------ 3.250 3.375
APR 3.976 3.486 4.241 ------ 3.270 3.379
 
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 3.625 3.750
APR 4.136 3.537 3.866 3.428 3.632 3.757
 
******************************* 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 4.125 3.750 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.625 3.875 3.625 4.000 4.000
>$417K 4.250 4.000 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.375 2.875 3.000 3.250
APR 3.765 3.045 3.429 2.992 3.054 3.295
 
>$417K 4.000 3.500 4.250 ------ 3.250 3.375
APR 3.974 3.482 4.241 ------ 3.266 3.374
 
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 3.625 3.750
APR 4.140 3.475 3.897 3.440 3.672 3.798
 
******************************* 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 4.000 4.125
>$417K 4.375 4.125 4.750 ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 3.950 3.500 4.375 4.375
>$417K 4.375 4.375 4.750 ------ 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 3.774 3.060 3.503 3.011 3.052 3.293
 
>$417K 4.000 3.500 4.250 ------ 3.250 3.375
APR 3.976 3.487 4.241 ------ 3.271 3.379
 
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 3.625 3.750
APR 4.149 3.561 3.921 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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