奇虎贷款利率-CA, TX, MD, VA,FL- 11月23日 星期三

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SUMMARY：今天（11月23日 星期三)开盘时的房贷利率价格和上个工作日相比上涨
。目前重新贷款40万左右的利率，30年固定利率稳定至4.000%，15年固定利率稳定至
3.250%，5/1 ARM稳定至3.500%。购房贷款40万左右，30年固定的利率稳定至3.875%，
15年固定利率上涨至3.125%，5/1 ARM上涨至3.250%.

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 4.000 3.250 3.875 3.250 3.500 3.875
>$417K 4.250 3.375 4.125 3.500 3.625 3.750
Jumbo 4.250 3.750 ------ ------ 3.500 3.500
 
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 3.875 4.250
>$417K 4.750 4.375 4.625 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 3.250 3.500
APR 3.917 3.223 3.769 3.179 3.292 3.510
 
>$417K 4.125 3.250 4.000 3.375 3.375 3.500
APR 4.147 3.332 4.043 3.453 3.405 3.531
 
Jumbo 4.000 3.500 ------ ------ 3.250 3.375
APR 4.041 3.571 ------ ------ 3.271 3.389
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.000 3.625 ------ ------
APR 4.297 3.669 4.074 3.689 ------ ------
 
******************************* 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 4.000 3.250 3.875 3.125 3.500 3.500
>$417K 4.250 3.875 ------ ------ 3.500 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 3.990 3.375 3.875 4.250
>$417K 4.375 3.875 ------ ------ 3.500 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 3.250 3.500
APR 3.888 3.155 3.715 3.064 3.254 3.483
 
>$417K 4.125 3.625 ------ ------ 3.250 3.375
APR 4.122 3.618 ------ ------ 3.253 3.386
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 3.990 3.625 ------ ------
APR 4.267 3.619 4.031 3.616 ------ ------
 
******************************* 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 4.125 3.375 3.875 3.375 3.625 3.990
>$417K 4.375 ------ ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.990 3.500 4.125 4.375
>$417K 4.375 ------ ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 3.250 3.500
APR 3.892 3.161 3.720 3.074 3.258 3.486
 
>$417K 4.125 3.625 ------ ------ 3.250 3.375
APR 4.125 3.623 ------ ------ 3.256 3.388
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 3.990 3.625 ------ ------
APR 4.261 3.625 4.037 3.626 ------ ------
 
******************************* 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 4.125 3.375 3.990 3.375 3.875 4.250
>$417K 4.375 ------ ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.750 4.125 3.625 ------ ------
>$417K 4.375 ------ ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 3.250 3.500
APR 3.901 3.188 3.759 3.140 3.272 3.510
 
>$417K 4.125 3.625 ------ ------ 3.250 3.375
APR 4.123 3.620 ------ ------ 3.252 3.385
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.500 ------ ------
APR 4.266 3.582 4.064 3.619 ------ ------
 
******************************* 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 4.250 3.500 4.125 3.500 ------ ------
>$417K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ ------
>$417K 4.625 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.125 3.250 3.500
APR 3.891 3.190 3.758 3.133 3.291 3.506
 
>$417K 4.125 3.625 ------ ------ 3.250 3.375
APR 4.125 3.624 ------ ------ 3.256 3.389
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.500 ------ ------
APR 4.275 3.598 4.081 3.642 ------ ------

 

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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