奇虎贷款利率-CA, TX, MD, VA,FL- 12月01日 星期四

奇虎贷款

奇虎贷款
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SUMMARY：今天（12月01日 星期四)开盘时的房贷利率价格和上个工作日相比上升
。目前重新贷款40万左右的利率，30年固定利率上升至4.125%，15年固定利率稳定至
3.250%，5/1 ARM上升至3.625%。购房贷款40万左右，30年固定的利率上升至4.000%，
15年固定利率上升至3.250%，5/1 ARM上升至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 4.125 3.250 4.000 3.250 3.625 4.000
>$417K 4.375 3.625 4.250 3.625 3.625 3.750
Jumbo 4.250 3.875 ------ ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.375 4.000 4.375
>$417K 4.750 ------ 4.625 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.750
APR 4.025 3.258 3.924 3.261 3.295 3.784
 
>$417K 4.250 3.500 4.125 3.750 3.375 3.500
APR 4.266 3.554 4.150 3.852 3.411 3.539
 
Jumbo 4.125 3.625 ------ ------ 3.250 3.375
APR 4.139 3.669 ------ ------ 3.278 3.398
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ ------
APR 4.411 3.706 4.271 3.743 ------ ------
 
******************************* 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 4.125 3.250 4.000 3.250 3.500 3.875
>$417K 4.375 4.375 ------ ------ 3.500 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.375 3.875 4.250
>$417K 4.375 ------ ------ ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.625
APR 3.996 3.208 3.884 3.188 3.263 3.648
 
>$417K 4.125 3.750 ------ ------ 3.250 3.500
APR 4.135 3.743 ------ ------ 3.261 3.490
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ ------
APR 4.382 3.655 4.230 3.669 ------ ------
 
******************************* 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 4.000 3.375 3.750 4.125
>$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 3.500 4.125 3.500 4.125 4.625
>$417K 4.500 ------ ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.625
APR 3.990 3.214 3.890 3.198 3.266 3.651
 
>$417K 4.125 3.750 ------ ------ 3.250 3.500
APR 4.138 3.747 ------ ------ 3.263 3.493
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ ------
APR 4.375 3.662 4.236 3.679 ------ ------
 
******************************* 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 4.125 3.375 3.875 4.375
>$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 4.500 3.750 4.250 3.750 ------ ------
>$417K 4.500 ------ ------ ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.125 3.250 3.625
APR 3.995 3.224 3.896 3.269 3.274 3.653
 
>$417K 4.125 3.750 ------ ------ 3.250 3.500
APR 4.136 3.744 ------ ------ 3.259 3.490
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 ------ ------
APR 4.297 3.670 4.205 3.691 ------ ------
 
******************************* 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 3.625 4.125 3.625 ------ ------
>$417K 4.625 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.250 3.750 ------ ------
>$417K 4.625 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.750
APR 4.004 3.238 3.909 3.233 3.294 3.782
 
>$417K 4.125 3.750 ------ ------ 3.250 3.500
APR 4.138 3.748 ------ ------ 3.264 3.493
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.250 3.625 ------ ------
APR 4.306 3.686 4.255 3.714 ------ ------

 

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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