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奇虎貸款利率-CA, TX, MD, VA,FL, GA, WA- 8月16日 星期四

(2018-08-16 10:57:50) 下一個

SUMMARY：今天（8月16日星期四）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 4.625 4.125 4.500 4.125 ------ ------
>$453K 4.750 4.250 4.750 ------ 4.250 ------
Jumbo 5.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.625 4.250 ------ ------
>$453K 5.250 ------ 5.250 ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.530 3.964 4.387 4.004 4.155 4.269
 
>$453K 4.625 4.125 4.625 ------ 4.125 4.500
APR 4.637 4.161 4.641 ------ 4.146 4.541
 
Jumbo 4.750 4.750 ------ ------ 4.250 4.250
APR 4.778 4.780 ------ ------ 4.277 4.288
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.750 4.875 5.000 ------ ------
APR 5.020 4.842 4.902 5.099 ------ ------
 
******************************* 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 4.625 4.125 4.375 4.125 4.250 4.375
>$453K 5.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.625 4.250 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.501 3.913 4.347 3.930 4.126 4.240
 
>$453K 4.750 4.750 ------ ------ 4.250 4.250
APR 4.753 4.736 ------ ------ 4.252 4.263
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.750 4.875 4.875 ------ ------
APR 4.990 4.770 4.861 4.941 ------ ------
 
******************************* 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 4.625 4.125 4.500 4.125 ------ ------
>$453K 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.625 4.375 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.494 3.920 4.352 3.939 4.129 4.244
 
>$453K 4.750 4.750 ------ ------ 4.250 4.250
APR 4.755 4.740 ------ ------ 4.255 4.266
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.750 4.875 4.875 ------ ------
APR 4.901 4.777 4.866 4.951 ------ ------
 
******************************* 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 4.750 4.250 4.625 4.250 ------ ------
>$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 5.250 4.875 5.250 ------ ------ ------
>$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 4.375 3.875 4.250 3.875 4.125 4.250
APR 4.416 3.928 4.321 3.952 4.155 4.270
 
>$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 4.875 4.750 4.750 5.000 ------ ------
APR 4.906 4.844 4.822 5.103 ------ ------
 
******************************* 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 4.875 4.875 4.750 ------ ------ ------
>$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 5.000 ------ 4.875 ------ ------ ------
>$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 4.375 3.875 4.375 3.875 4.125 4.250
APR 4.425 3.944 4.371 3.975 4.154 4.268
 
>$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 4.875 4.750 4.875 5.000 ------ ------
APR 4.916 4.855 4.886 5.119 ------ ------
 
******************************* 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 4.750 4.375 4.625 4.375 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 5.000 4.875 ------ ------ ------
>$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 4.375 3.875 4.375 3.875 4.125 4.250
APR 4.440 3.970 4.392 4.012 4.168 4.283
 
>$453K 4.750 4.750 ------ ------ 4.250 4.250
APR 4.762 4.752 ------ ------ 4.262 4.272
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.750 4.875 5.000 ------ ------
APR 4.931 4.886 4.907 5.163 ------ ------
 
******************************* 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 4.625 4.125 4.375 4.125 4.250 4.375
>$453K 5.000 ------ ------ ------ ------ ------
Jumbo 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 4.125 4.625 4.250 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.500 3.912 4.346 3.928 4.125 4.240
 
>$453K 4.750 4.750 ------ ------ 4.250 4.250
APR 4.752 4.735 ------ ------ 4.252 4.263
 
Jumbo 4.750 4.750 ------ ------ 4.250 4.250
APR 4.747 4.726 ------ ------ 4.247 4.258
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.750 4.875 4.875 ------ ------
APR 4.989 4.769 4.860 4.939 ------ ------
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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