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奇虎貸款利率 - CA, TX, MD, VA, FL, GA, WA - 4月4日星期四

(2019-04-04 10:35:50) 下一個

SUMMARY：今天（04月04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
<=$484K 4.250 3.750 4.250 3.750 ------ ------
>$484K 4.375 3.875 ------ ------ 4.125 ------
Jumbo 4.750 4.250 ------ ------ 4.250 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.375 3.875 ------ ------
>$484K 4.500 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 3.875 3.500 3.875 4.000
APR 4.040 3.658 3.944 3.628 3.925 4.029
 
>$484K 4.250 3.750 ------ ------ 3.875 ------
APR 4.271 3.805 ------ ------ 3.916 ------
 
Jumbo 4.500 3.875 ------ ------ 3.875 3.875
APR 4.539 3.923 ------ ------ 3.891 3.902
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.625 4.250 4.500 4.250 ------ ------
APR 4.677 4.303 4.556 4.299 ------ ------
 
******************************* 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
<=$484K 4.250 3.750 4.125 3.625 4.250 4.250
>$484K 4.750 4.250 ------ ------ 4.250 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 3.875 3.500 3.875 4.000
APR 4.011 3.608 3.904 3.554 3.896 4.001
 
>$484K 4.500 3.875 ------ ------ 3.875 3.875
APR 4.513 3.879 ------ ------ 3.867 3.877
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.625 4.250 4.500 4.250 ------ ------
APR 4.647 4.251 4.515 4.225 ------ ------
 
******************************* 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
<=$484K 4.250 3.875 4.250 3.750 ------ ------
>$484K 4.875 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.000 4.375 4.000 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 3.875 3.500 3.875 4.000
APR 4.004 3.614 3.910 3.564 3.900 4.004
 
>$484K 4.500 3.875 ------ ------ 3.875 3.875
APR 4.516 3.884 ------ ------ 3.870 3.880
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.250 4.500 4.250 ------ ------
APR 4.526 4.258 4.521 4.235 ------ ------
 
******************************* 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
<=$484K 4.375 3.875 4.250 3.875 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 5.500 5.125 5.625 ------ ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.500 3.875 3.375 3.875 4.000
APR 3.915 3.571 3.916 3.504 3.925 4.030
 
>$484K 4.250 ------ ------ ------ 4.250 ------
APR 4.239 ------ ------ ------ 4.263 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.500 4.125 ------ ------
APR 4.531 4.216 4.528 4.229 ------ ------
 
******************************* 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
<=$484K 4.500 4.125 4.500 4.125 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.750 4.375 4.750 4.250 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.500 3.875 3.500 3.875 4.000
APR 3.924 3.587 3.929 3.599 3.924 4.028
 
>$484K 4.250 ------ ------ ------ 4.250 ------
APR 4.242 ------ ------ ------ 4.265 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.250 4.500 4.125 ------ ------
APR 4.540 4.282 4.540 4.252 ------ ------
 
******************************* 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
<=$484K 4.375 4.000 4.375 3.875 ------ ------
>$484K 5.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.250 4.500 4.125 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.500 3.875 3.500 3.875 4.000
APR 3.938 3.612 3.949 3.636 3.938 4.043
 
>$484K 4.500 3.875 ------ ------ 3.875 3.875
APR 4.522 3.895 ------ ------ 3.876 3.886
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.250 4.500 4.125 ------ ------
APR 4.555 4.309 4.561 4.290 ------ ------
 
******************************* 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
<=$484K 4.250 3.750 4.125 3.625 4.250 4.250
>$484K 4.750 4.250 ------ ------ 4.250 4.375
Jumbo 4.750 4.125 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.875 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.625 3.875 3.500 3.875 4.000
APR 4.010 3.607 3.904 3.553 3.896 4.000
 
>$484K 4.500 3.875 ------ ------ 3.875 3.875
APR 4.513 3.879 ------ ------ 3.867 3.877
 
Jumbo 4.500 3.875 ------ ------ 3.875 3.875
APR 4.508 3.870 ------ ------ 3.862 3.872
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.625 4.250 4.500 4.250 ------ ------
APR 4.647 4.250 4.515 4.223 ------ ------
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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