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奇虎貸款利率-CA, TX, MD, VA,FL- 05月03日 星期三

(2017-05-03 14:05:24) 下一個

SUMMARY:今天(05月03日 星期三)開盤時的房貸利率價格和上個工作日相比下降。目
前重新貸款40萬左右的利率,30年固定利率下降在3.950%,15年固定利率穩定在3.
250%,5/1 ARM穩定到3.250%。購房貸款40萬左右,30年固定的利率穩定在3.875%,
15年固定利率上升在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 3.950 3.250 3.625 3.125 3.250 3.375
>$417K 4.125 3.250 4.000 3.250 3.625 3.750
Jumbo 4.125 3.625 4.375 ------ 3.500 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.750 3.250 3.625 3.750
>$417K 4.375 3.875 4.375 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.000 3.250
APR 3.900 3.169 3.629 3.090 3.043 3.284
 
>$417K 4.000 3.250 3.875 3.250 3.375 3.625
APR 4.040 3.257 3.922 3.248 3.421 3.638
 
Jumbo 4.000 3.500 4.250 ------ 3.375 3.500
APR 4.014 3.550 4.272 ------ 3.410 3.524
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.950 3.500 3.625 3.875
APR 4.276 3.599 4.014 3.564 3.657 3.907
 
******************************* 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 3.125 3.250 3.375
>$417K 4.125 3.750 4.375 ------ 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 3.375 3.750 3.250 3.625 3.750
>$417K 4.250 4.000 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.500 3.000 3.000 3.250
APR 3.871 3.119 3.532 2.998 3.016 3.256
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.500
APR 4.010 3.610 4.237 ------ 3.386 3.500
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.500 3.500 3.625 3.875
APR 4.246 3.548 3.524 3.491 3.628 3.878
 
******************************* 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 3.250 3.375 3.625
>$417K 4.250 4.000 4.500 ------ 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 3.875 3.375 3.750 3.875
>$417K 4.375 4.125 4.500 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.500 3.000 3.000 3.250
APR 3.865 3.125 3.529 3.008 3.020 3.260
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.500
APR 4.013 3.614 4.241 ------ 3.389 3.502
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.950 3.500 3.625 3.875
APR 4.240 3.555 3.968 3.501 3.632 3.882
 
******************************* 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 3.375 3.875 3.250 3.625 3.750
>$417K 4.250 4.000 4.500 ------ 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 3.625 3.950 3.625 4.250 4.250
>$417K 4.375 4.125 4.500 ------ 3.750 3.750
 
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 3.806 3.081 3.559 3.019 3.044 3.285
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.500
APR 4.011 3.611 4.241 ------ 3.385 3.498
 
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 3.875
APR 4.172 3.564 3.999 3.493 3.672 3.923
 
******************************* 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 3.500 3.950 3.375 4.250 4.250
>$417K 4.500 4.500 4.750 ------ 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 3.625 4.125 3.500 4.500 4.500
>$417K 4.500 4.500 4.750 ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 3.000 3.000 3.250
APR 3.878 3.096 3.638 3.061 3.043 3.283
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.500
APR 4.014 3.615 4.241 ------ 3.389 3.503
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.625 3.875
APR 4.181 3.579 4.057 3.516 3.673 3.924

 

 

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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