奇虎贷款利率-CA, TX, MD, VA,FL- 11月10日星期四

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SUMMARY：今天（11月10日 星期四)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率，30年固定利率上升至3.750%，15年固定利率上升至
2.875%，5/1 ARM上升至3.125%。购房贷款40万左右，30年固定的利率上升至3.625%，
15年固定利率上升至2.750%，5/1 ARM上升至2.875%.

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 3.750 2.875 3.500 2.875 3.125 3.500
>$417K 4.000 3.125 3.875 3.250 3.500 3.500
Jumbo 4.000 3.375 ------ ------ 3.250 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.125 3.375 3.750
>$417K 4.250 3.625 3.875 ------ 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.500 2.750 2.875 3.250
APR 3.636 2.829 3.501 2.829 2.916 3.281
 
>$417K 3.875 3.000 3.750 3.000 3.125 3.250
APR 3.909 3.069 3.775 3.109 3.165 3.291
 
Jumbo 3.750 3.125 ------ ------ 3.000 3.125
APR 3.790 3.186 ------ ------ 3.041 3.159
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.875 4.125
APR 4.046 3.335 3.895 3.367 3.923 4.176
 
******************************* 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 3.625 2.875 3.500 2.875 3.125 3.500
>$417K 4.000 4.125 ------ ------ 3.250 3.375
 
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 3.000 3.375 3.750
>$417K 4.125 ------ ------ ------ 3.375 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.500 2.750 2.875 3.125
APR 3.607 2.772 3.454 2.757 2.884 3.150
 
>$417K 3.875 3.250 ------ ------ 3.125 3.250
APR 3.871 3.260 ------ ------ 3.118 3.244
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.750 3.990
APR 4.017 3.267 3.787 3.293 3.776 4.014
 
******************************* 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 3.750 3.000 3.625 3.000 3.250 3.500
>$417K 4.125 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 3.500 3.875
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.500 2.750 2.875 3.125
APR 3.611 2.779 3.459 2.766 2.888 3.153
 
>$417K 3.875 3.250 ------ ------ 3.125 3.250
APR 3.874 3.265 ------ ------ 3.121 3.247
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.750 3.990
APR 4.011 3.273 3.792 3.303 3.780 4.017
 
******************************* 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 3.875 3.125 3.625 3.125 3.375 3.750
>$417K 4.125 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.750 3.250 ------ 4.250
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.500 2.750 2.875 3.250
APR 3.620 2.794 3.497 2.815 2.896 3.274
 
>$417K 3.875 3.250 ------ ------ 3.125 3.250
APR 3.872 3.261 ------ ------ 3.117 3.243
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.875 4.125
APR 4.015 3.295 3.885 3.315 3.902 4.169
 
******************************* 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 4.000 3.250 3.750 3.250 ------ 4.250
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 ------ ------
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.375 2.750 2.875 3.250
APR 3.611 2.810 3.426 2.766 2.915 3.286
 
>$417K 3.875 3.250 ------ ------ 3.125 3.250
APR 3.874 3.266 ------ ------ 3.121 3.247
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.875 4.125
APR 4.024 3.311 3.816 3.338 3.922 4.181

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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