奇虎贷款利率-CA, TX, MD, VA,FL- 1月6日 星期五

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SUMMARY：今天（1月6日 星期五)开盘时的房贷利率价格和上个工作日相比趋于上涨
。目前重新贷款40万左右的利率，30年固定利率稳定在4.000%，15年固定利率稳定至
3.250%，5/1 ARM上涨在3.875%。购房贷款40万左右，30年固定的利率上涨在4.000%，
15年固定利率稳定在3.125%，5/1 ARM上涨至3.125%.

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 3.875 3.750
>$417K 4.250 3.625 4.000 3.625 ------ ------
Jumbo 4.250 3.750 ------ ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.000 3.375 4.250 4.000
>$417K 4.625 ------ 4.375 ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.750 3.000 3.125 3.500
APR 3.994 3.205 3.828 3.125 3.169 3.540
 
>$417K 4.125 3.500 4.000 3.500 4.375 4.000
APR 4.162 3.529 4.011 3.563 4.421 4.034
 
Jumbo 4.125 3.500 ------ ------ 3.375 3.625
APR 4.144 3.556 ------ ------ 3.416 3.641
 
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 4.286 3.669 4.175 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 3.250 3.750 3.750
>$417K 4.250 3.750 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.000 3.375 4.125 4.000
>$417K 4.375 4.000 ------ ------ 4.000 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.750 3.000 3.125 3.625
APR 3.965 3.155 3.788 3.052 3.141 3.621
 
>$417K 4.125 3.625 ------ ------ 3.500 3.625
APR 4.140 3.613 ------ ------ 3.518 3.638
 
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 4.257 3.619 4.134 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 4.000 3.375 4.000 3.875
>$417K 4.375 4.000 ------ ------ ------ 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.125 3.500 ------ 4.250
>$417K 4.500 4.125 ------ ------ ------ 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 3.125 3.625
APR 3.906 3.161 3.793 3.036 3.145 3.625
 
>$417K 4.125 3.625 ------ ------ 3.500 3.625
APR 4.143 3.617 ------ ------ 3.521 3.640
 
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 4.250 3.625 4.140 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 4.000 3.375 ------ 4.250
>$417K 4.375 4.000 ------ ------ ------ 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.250 3.750 ------ ------
>$417K 4.500 4.125 ------ ------ ------ 4.125
 
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 3.125 3.625
APR 3.911 3.170 3.800 3.190 3.169 3.666
 
>$417K 4.125 3.625 ------ ------ 3.500 3.625
APR 4.141 3.614 ------ ------ 3.519 3.638
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 ------ ------
APR 4.255 3.582 4.146 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 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 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 3.125 3.625
APR 3.920 3.185 3.812 3.207 3.168 3.672
 
>$417K 4.125 3.625 ------ ------ 3.500 3.625
APR 4.144 3.618 ------ ------ 3.521 3.641
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 ------ ------
APR 4.264 3.598 4.159 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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