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奇虎貸款利率-CA, TX, MD, VA,FL, GA, WA - 12月21日星期五

(2018-12-21 12:09:11) 下一個

SUMMARY：今天（12月21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 4.625 4.125 4.375 4.125 4.250 4.375
>$453K 4.750 4.250 ------ ------ 4.250 ------
Jumbo 5.000 4.500 ------ ------ 4.375 4.375
 
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 4.875 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 3.875 4.250 3.875 4.000 4.250
APR 4.520 3.964 4.320 4.004 4.050 4.280
 
>$453K 4.625 4.125 ------ ------ 4.000 ------
APR 4.657 4.161 ------ ------ 4.041 ------
 
Jumbo 4.750 4.125 ------ ------ 4.000 4.000
APR 4.789 4.173 ------ ------ 4.027 4.037
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.042 4.716 4.917 4.756 ------ ------
 
******************************* 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 4.500 ------ ------ 4.375 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.500 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 4.250 3.875 4.000 4.250
APR 4.490 3.913 4.280 3.930 4.021 4.251
 
>$453K 4.750 4.125 ------ ------ 4.000 4.000
APR 4.763 4.129 ------ ------ 4.002 4.013
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.012 4.664 4.876 4.680 ------ ------
 
******************************* 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 4.375 3.875 4.250 3.875 4.000 4.250
APR 4.401 3.920 4.285 3.939 4.025 4.254
 
>$453K 4.750 4.125 ------ ------ 4.000 4.000
APR 4.766 4.134 ------ ------ 4.005 4.015
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.005 4.671 4.881 4.690 ------ ------
 
******************************* 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 4.500 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 5.500 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 4.375 3.875 4.250 3.875 4.000 4.250
APR 4.406 3.928 4.292 3.952 4.051 4.280
 
>$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 4.625 4.750 4.625 ------ ------
APR 4.917 4.679 4.822 4.703 ------ ------
 
******************************* 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 4.625 4.750 4.625 ------ ------
>$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 5.125 ------ 5.000 ------ ------ ------
>$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 4.250 3.875 4.000 4.250
APR 4.415 3.944 4.304 3.975 4.049 4.279
 
>$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 4.625 4.875 4.625 ------ ------
APR 4.927 4.695 4.901 4.726 ------ ------
 
******************************* 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 4.625 4.875 4.625 ------ ------
>$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 4.250 3.875 4.000 4.250
APR 4.430 3.970 4.325 4.012 4.064 4.294
 
>$453K 4.750 4.125 ------ ------ 4.000 4.000
APR 4.773 4.145 ------ ------ 4.011 4.022
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.625 4.875 4.625 ------ ------
APR 4.942 4.722 4.922 4.764 ------ ------
 
******************************* 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 4.500 ------ ------ 4.375 4.375
Jumbo 5.000 4.375 ------ ------ 4.250 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.500 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 4.250 3.875 4.000 4.250
APR 4.489 3.912 4.279 3.928 4.021 4.250
 
>$453K 4.750 4.125 ------ ------ 4.000 4.000
APR 4.763 4.129 ------ ------ 4.002 4.012
 
Jumbo 4.750 4.125 ------ ------ 4.000 4.000
APR 4.758 4.120 ------ ------ 3.997 4.007
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.011 4.663 4.875 4.679 ------ ------
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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