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奇虎貸款利率-CA, TX, MD, VA,FL, GA, WA- 4月18日星期三

(2018-04-18 12:44:28) 下一個

SUMMARY：今天（4月18日星期三）開盤時的房貸利率價格和上個工作日相比基本持平.

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 $453K, High-Balance Loan $636K, 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
<=$453K 4.375 4.000 4.250 4.000 4.000 4.000
>$453K 4.500 4.125 4.750 ------ 3.875 ------
Jumbo 4.625 4.625 ------ ------ 4.250 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 ------ ------
>$453K 4.750 4.250 5.250 ------ 4.250 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.625 3.750
APR 4.380 3.850 4.175 3.895 3.680 3.806
 
>$453K 4.375 4.000 4.500 ------ 3.625 4.625
APR 4.424 4.029 4.546 ------ 3.671 4.670
 
Jumbo 4.375 4.375 ------ ------ 3.875 3.875
APR 4.420 4.416 ------ ------ 3.918 3.918
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.500 4.375 ------ ------
APR 4.798 4.439 4.565 4.467 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K 4.375 4.000 4.250 4.000 4.000 4.000
>$453K 4.625 4.750 ------ ------ 4.375 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.625 3.750
APR 4.350 3.799 4.134 3.820 3.652 3.777
 
>$453K 4.375 4.375 ------ ------ 3.875 3.875
APR 4.394 4.372 ------ ------ 3.894 3.894
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.500 4.375 ------ ------
APR 4.768 4.387 4.524 4.393 ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K 4.500 4.000 4.375 4.000 4.125 4.125
>$453K 4.750 ------ ------ ------ 4.500 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.375 4.250 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.125 3.750 3.625 3.750
APR 4.282 3.806 4.140 3.830 3.656 3.781
 
>$453K 4.375 4.375 ------ ------ 3.875 3.875
APR 4.397 4.377 ------ ------ 3.896 3.896
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.500 4.375 ------ ------
APR 4.761 4.394 4.530 4.402 ------ ------
 
******************************* 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
<=$453K 4.500 4.125 4.375 4.125 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.750 5.000 ------ ------ ------
>$453K 5.250 4.875 5.000 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.000 3.750 3.625 3.750
APR 4.287 3.814 4.079 3.843 3.681 3.806
 
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.997 4.533 4.747 ------ 4.253 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.500 4.250 ------ ------
APR 4.766 4.334 4.536 4.370 ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo 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
<=$453K 4.750 4.250 4.500 4.250 ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.500 4.625 4.500 ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.125 3.750 3.625 3.750
APR 4.296 3.830 4.159 3.865 3.679 3.805
 
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.998 4.534 4.747 ------ 4.253 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.500 4.250 ------ ------
APR 4.775 4.350 4.549 4.394 ------ ------
 
******************************* GEORGIA *******************************
(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
<=$453K 4.625 4.125 4.375 4.125 ------ ------
>$453K 4.875 ------ ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.500 4.375 ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.125 3.750 3.625 3.750
APR 4.311 3.856 4.179 3.903 3.694 3.819
 
>$453K 4.375 4.375 ------ ------ 3.875 3.875
APR 4.404 4.388 ------ ------ 3.903 3.903
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.500 4.250 ------ ------
APR 4.791 4.376 4.570 4.431 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K, 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
<=$453K 4.375 4.000 4.250 4.000 4.000 4.000
>$453K 4.625 4.750 ------ ------ 4.375 4.250
Jumbo 4.625 4.625 ------ ------ 4.250 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.625 3.750
APR 4.350 3.798 4.134 3.819 3.651 3.777
 
>$453K 4.375 4.375 ------ ------ 3.875 3.875
APR 4.394 4.371 ------ ------ 3.893 3.893
 
Jumbo 4.375 4.375 ------ ------ 3.875 3.875
APR 4.389 4.362 ------ ------ 3.889 3.889
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.500 4.375 ------ ------
APR 4.767 4.386 4.523 4.391 ------ ------
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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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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