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奇虎贷款利率-CA, TX, MD, VA,FL- 10月31日 星期一

(2016-10-31 16:09:22) 下一个

SUMMARY:今天(10月31日 星期一)开盘时的房贷利率价格和上个工作日相比持平
。目前重新贷款40万左右的利率,30年固定利率稳定在3.500%,15年固定利率稳定在
2.750%,5/1 ARM稳定在3.000%。购房贷款40万左右,30年固定的利率稳定在3.375%,
15年固定利率稳定在2.625%,5/1 ARM下降至2.750%.

注:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带impound
account的利率。

 

******************************* CALIFORNIA *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K, 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
<=$417K 3.500 2.750 3.375 2.750 3.000 3.250
>$417K 3.700 2.875 3.500 2.875 3.375 3.375
Jumbo 3.750 3.250 ------ ------ 3.125 3.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.250 3.500
>$417K 4.000 3.500 3.875 3.625 3.375 3.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.990
APR 3.399 2.703 3.240 2.623 2.794 3.041
 
>$417K 3.550 2.750 3.375 2.750 3.125 3.125
APR 3.578 2.820 3.429 2.833 3.159 3.168
 
Jumbo 3.625 3.000 ------ ------ 2.875 3.000
APR 3.638 3.041 ------ ------ 2.912 3.027
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 3.000 3.625 3.750
APR 3.775 3.098 3.538 3.143 3.673 3.796
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K. 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
<=$417K 3.500 2.750 3.375 2.625 3.000 3.250
>$417K 3.875 3.375 ------ ------ 3.250 3.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.250 3.500
>$417K 3.875 3.500 ------ ------ 3.250 3.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.990
APR 3.372 2.642 3.193 2.509 2.762 3.008
 
>$417K 3.625 3.125 ------ ------ 3.000 3.125
APR 3.634 3.111 ------ ------ 3.009 3.120
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 3.000 3.625 3.750
APR 3.746 3.050 3.490 3.070 3.639 3.761
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K. 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
<=$417K 3.500 2.750 3.375 2.750 3.125 3.375
>$417K 3.875 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.375 3.625
>$417K 4.000 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.990
APR 3.365 2.649 3.198 2.519 2.766 3.012
 
>$417K 3.625 3.125 ------ ------ 3.000 3.125
APR 3.637 3.115 ------ ------ 3.012 3.123
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 3.000 3.625 3.750
APR 3.740 3.057 3.495 3.079 3.643 3.765
 
******************************* 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
<=$417K 3.500 2.875 3.500 2.875 3.250 3.500
>$417K 3.875 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.125 3.875 3.875
>$417K 4.000 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.250 2.500 2.750 2.990
APR 3.305 2.697 3.236 2.584 2.774 3.038
 
>$417K 3.625 3.125 ------ ------ 3.000 3.125
APR 3.635 3.112 ------ ------ 3.009 3.120
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.625 3.750
APR 3.671 3.063 3.534 3.091 3.657 3.793
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, High-Balance 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
<=$417K 3.625 3.000 3.500 3.000 3.875 3.875
>$417K 4.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.125 ------ 4.250
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 3.125
APR 3.378 2.719 3.253 2.577 2.792 3.150
 
>$417K 3.625 3.125 ------ ------ 3.000 3.125
APR 3.637 3.116 ------ ------ 3.012 3.123
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.625 3.750
APR 3.679 3.078 3.551 3.114 3.676 3.805

 


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.

注:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款
,需要收point才能做。

奇虎贷款NMLS ID: 1169300

 

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