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奇虎貸款利率 - CA, TX, MD, VA, FL, GA, WA - 6月11日星期二

(2019-06-11 10:25:38) 下一個

SUMMARY：今天（6月11日星期二)開盤時的房貸利率價格和上個工作日基本持平。

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 $484K, 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 3.875 3.125 3.875 3.125 3.625 3.625
>$484K 4.000 3.375 4.000 3.250 4.000 4.750
Jumbo 4.375 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.375 3.875 3.875
>$484K 4.500 3.875 4.375 4.000 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.750 3.000 3.375 3.500
APR 3.780 3.070 3.763 3.076 3.404 3.519
 
>$484K 3.875 3.250 3.875 3.250 3.750 4.500
APR 3.909 3.253 3.893 3.223 3.783 4.541
 
Jumbo 4.250 3.500 ------ ------ 3.500 3.500
APR 4.257 3.566 ------ ------ 3.506 3.537
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.625 4.250 3.625 ------ ------
APR 4.406 3.715 4.307 3.728 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, 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 3.875 3.125 3.750 3.125 3.500 3.625
>$484K 4.375 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.250 3.750 3.750
>$484K 5.000 4.125 ------ ------ 4.375 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.750 3.000 3.375 3.500
APR 3.752 3.022 3.725 3.006 3.377 3.492
 
>$484K 4.250 3.500 ------ ------ 3.500 3.500
APR 4.235 3.528 ------ ------ 3.485 3.516
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.625 4.250 3.625 ------ ------
APR 4.378 3.666 4.268 3.658 ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, 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 3.875 3.250 3.875 3.250 3.625 3.750
>$484K 4.625 4.000 ------ ------ 4.125 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.375 ------ 4.750
>$484K 5.125 4.250 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.750 3.000 3.375 3.500
APR 3.745 3.028 3.729 3.014 3.381 3.495
 
>$484K 4.250 3.500 ------ ------ 3.500 3.500
APR 4.237 3.532 ------ ------ 3.488 3.518
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.250 3.625 ------ ------
APR 4.277 3.672 4.273 3.666 ------ ------
 
******************************* 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 4.000 3.375 3.875 3.375 ------ ------
>$484K 5.000 4.250 ------ ------ ------ 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.750 4.125 4.375 4.125 ------ ------
>$484K 5.125 4.250 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.625 3.000 3.375 3.500
APR 3.681 3.045 3.689 3.039 3.410 3.525
 
>$484K 4.625 3.750 ------ ------ 4.000 4.000
APR 4.623 3.777 ------ ------ 4.001 3.996
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.625 ------ ------
APR 4.287 3.689 4.205 3.691 ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo Loan $562K. 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 3.750 3.125 3.750 3.125 3.500 3.500
>$484K 4.375 3.750 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.875 3.000 3.375 3.500
APR 3.737 3.014 3.895 2.994 3.373 3.488
 
>$484K 4.250 3.625 ------ ------ 3.500 3.625
APR 4.242 3.611 ------ ------ 3.493 3.618
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.250 3.625 ------ ------
APR 4.269 3.657 4.261 3.645 ------ ------
 
******************************* 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 4.250 3.625 4.125 3.625 ------ ------
>$484K 5.250 4.500 ------ ------ ------ ------
 
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 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.625 3.000 3.375 3.500
APR 3.764 3.060 3.701 3.061 3.408 3.524
 
>$484K 4.625 3.750 ------ ------ 4.000 4.000
APR 4.625 3.782 ------ ------ 4.004 3.999
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.250 3.625 ------ ------
APR 4.296 3.705 4.299 3.714 ------ ------
 
******************************* 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 4.000 3.500 4.000 3.375 ------ ------
>$484K 4.625 4.250 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.250 3.625 ------ ------
>$484K 5.250 4.375 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.625 3.000 3.375 3.500
APR 3.778 3.085 3.721 3.098 3.423 3.538
 
>$484K 4.250 3.500 ------ ------ 3.500 3.500
APR 4.247 3.549 ------ ------ 3.497 3.527
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.250 3.625 ------ ------
APR 4.311 3.730 4.319 3.751 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, 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 3.875 3.125 3.750 3.125 3.500 3.625
>$484K 4.375 3.750 ------ ------ 3.875 3.875
Jumbo 4.375 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.250 3.750 3.750
>$484K 5.000 4.125 ------ ------ 4.375 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.000 3.750 3.000 3.375 3.500
APR 3.752 3.021 3.724 3.005 3.377 3.492
 
>$484K 4.250 3.500 ------ ------ 3.500 3.500
APR 4.234 3.528 ------ ------ 3.485 3.515
 
Jumbo 4.250 3.500 ------ ------ 3.500 3.500
APR 4.229 3.518 ------ ------ 3.480 3.510
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.625 4.250 3.625 ------ ------
APR 4.377 3.665 4.267 3.657 ------ ------
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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