奇虎貸款利率-CA, TX, MD, VA,FL, GA, WA - 11月30日星期五

SUMMARY：今天（11月30日星期五）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	4.875	4.375	4.750	4.375	------	------
>$453K	5.000	4.500	------	------	4.250	------
Jumbo	5.125	4.750	------	------	4.500	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.000	4.625	4.875	4.625	------	------
>$453K	5.125	4.625	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.125	4.625	4.125	4.250	4.250
APR	4.792	4.196	4.652	4.228	4.269	4.290
>$453K	4.875	4.375	------	------	4.250	------
APR	4.907	4.412	------	------	4.260	------
Jumbo	5.000	4.375	------	------	4.250	4.250
APR	5.007	4.442	------	------	4.277	4.288
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.250	------	5.125	------	------	------
APR	5.282	------	5.168	------	------	------
******************************* 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	4.875	4.375	4.750	4.375	4.375	4.375
>$453K	5.125	4.750	------	------	4.500	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.000	4.625	4.875	4.625	------	------
>$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	4.750	4.125	4.625	4.125	4.250	4.250
APR	4.761	4.145	4.611	4.153	4.240	4.261
>$453K	5.000	4.375	------	------	4.250	4.250
APR	4.981	4.398	------	------	4.252	4.263
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.250	------	5.125	------	------	------
APR	5.251	------	5.126	------	------	------
******************************* 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	4.875	4.375	4.875	4.375	------	------
>$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	4.625	5.000	4.625	------	------
>$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	4.750	4.125	4.625	4.125	4.250	4.250
APR	4.755	4.151	4.616	4.163	4.244	4.265
>$453K	5.000	4.375	------	------	4.250	4.250
APR	4.983	4.403	------	------	4.255	4.266
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.250	------	5.125	------	------	------
APR	5.244	------	5.131	------	------	------
******************************* 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	5.000	4.625	4.875	4.625	------	------
>$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	5.500	5.125	5.625	------	------	------
>$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	4.625	4.125	4.500	4.125	4.250	4.250
APR	4.678	4.160	4.557	4.175	4.270	4.291
>$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	5.125	4.750	5.000	4.750	------	------
APR	5.168	4.842	5.073	4.882	------	------
******************************* 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	5.125	4.750	5.000	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	5.250	------	5.250	------	------	------
>$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	4.750	4.125	4.500	4.125	4.250	4.250
APR	4.769	4.176	4.570	4.198	4.268	4.289
>$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	5.125	------	5.125	------	------	------
APR	5.178	------	5.151	------	------	------
******************************* 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	5.000	4.625	5.000	4.625	------	------
>$453K	5.375	4.875	5.125	------	4.625	4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.125	------	5.125	------	------	------
>$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	4.750	4.125	4.500	4.125	4.250	4.250
APR	4.784	4.202	4.590	4.236	4.283	4.304
>$453K	5.000	4.375	------	------	4.250	4.250
APR	4.990	4.414	------	------	4.262	4.272
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.125	------	5.125	------	------	------
APR	5.193	------	5.172	------	------	------
******************************* 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	4.875	4.375	4.750	4.375	4.375	4.375
>$453K	5.125	4.750	------	------	4.500	------
Jumbo	5.125	4.750	------	------	4.500	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.000	4.625	4.875	4.625	------	------
>$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	4.750	4.125	4.625	4.125	4.250	4.250
APR	4.761	4.144	4.610	4.152	4.240	4.261
>$453K	5.000	4.375	------	------	4.250	4.250
APR	4.980	4.397	------	------	4.252	4.263
Jumbo	5.000	4.375	------	------	4.250	4.250
APR	4.975	4.388	------	------	4.247	4.258
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.250	------	5.125	------	------	------
APR	5.250	------	5.125	------	------	------

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