奇虎贷款利率-CA, TX, MD, VA,FL- 12月15日 星期四

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SUMMARY：今天（12月15日 星期四)开盘时的房贷利率价格和上个工作日相比有一定上涨
。目前重新贷款40万左右的利率，30年固定利率上涨在4.250%，15年固定利率上涨至
3.375%，5/1 ARM上涨在3.625%。购房贷款40万左右，30年固定的利率上涨在4.125%，
15年固定利率稳定在3.250%，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 4.250 3.375 4.000 3.375 3.625 3.990
>$417K 4.500 3.750 4.250 3.875 4.000 4.000
Jumbo 4.500 ------ ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.125 3.500 4.125 4.375
>$417K 4.625 ------ 4.625 ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.990 3.250 3.250 3.500
APR 4.140 3.330 4.043 3.330 3.301 3.510
 
>$417K 4.300 3.500 4.125 4.125 3.750 3.875
APR 4.342 3.572 4.159 4.245 3.773 3.908
 
Jumbo 4.500 4.250 ------ ------ 3.625 3.750
APR 4.504 4.316 ------ ------ 3.649 3.773
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.375 3.750 ------ ------
APR 4.515 3.848 4.397 3.895 ------ ------
 
******************************* 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 4.250 3.375 4.000 3.375 3.500 3.500
>$417K 4.625 ------ ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.125 3.500 4.000 4.250
>$417K 4.625 ------ ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.990 3.250 3.250 3.500
APR 4.111 3.266 3.989 3.257 3.263 3.483
 
>$417K 4.500 4.250 ------ ------ 3.625 3.750
APR 4.479 4.279 ------ ------ 3.624 3.749
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.375 3.750 ------ ------
APR 4.486 3.779 4.350 3.820 ------ ------
 
******************************* 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 4.250 3.500 4.125 3.500 3.750 4.125
>$417K ------ ------ ------ ------ 4.000 4.125
 
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 4.250 4.625
>$417K ------ ------ ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.990 3.250 3.250 3.500
APR 4.104 3.273 3.994 3.267 3.267 3.486
 
>$417K 4.500 4.250 ------ ------ 3.625 3.750
APR 4.482 4.284 ------ ------ 3.627 3.751
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.375 3.750 ------ ------
APR 4.479 3.785 4.355 3.830 ------ ------
 
******************************* 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 4.250 3.500 4.125 3.500 4.125 4.375
>$417K ------ ------ ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.550 3.875 4.375 3.875 ------ ------
>$417K ------ ------ ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.990 3.250 3.250 3.500
APR 4.057 3.295 4.033 3.315 3.294 3.510
 
>$417K 4.500 4.250 ------ ------ 3.625 3.750
APR 4.477 4.287 ------ ------ 3.623 3.747
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.250 3.750 ------ ------
APR 4.433 3.814 4.330 3.843 ------ ------
 
******************************* 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 4.375 3.750 4.250 3.750 ------ ------
>$417K 4.750 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.875 ------ ------
>$417K 4.875 ------ ------ ------ ------ ------
 
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 3.500
APR 4.048 3.311 3.927 3.266 3.306 3.506
 
>$417K 4.500 4.250 ------ ------ 3.625 3.750
APR 4.482 4.284 ------ ------ 3.627 3.752
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.375 3.750 ------ ------
APR 4.493 3.830 4.395 3.865 ------ ------

 

 

 

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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