奇虎贷款利率-CA, TX, MD, VA,FL- 07月17日星期一

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SUMMARY:今天(07月17日 星期一)开盘时的房贷利率价格和上个工作日相比稍涨。目
前重新贷款40万左右的利率,30年固定利率上涨至3.95%,15年固定利率上涨至3.
25%,5/1 ARM稳定在3.250%。购房贷款40万左右,30年固定的利率稳定在3.875%,
15年固定利率稳定在3.000%,5/1 ARM稳定在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 3.950 3.250 3.750 3.125 3.250 3.375
>$417K 4.125 3.250 3.875 3.250 3.500 3.625
Jumbo 4.000 3.750 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.750 3.875
>$417K 4.125 3.750 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.800 3.000 3.625 3.000 3.125 3.250
APR 3.859 3.098 3.664 3.064 3.159 3.284
 
>$417K 3.875 3.250 3.750 3.125 3.250 3.250
APR 3.921 3.230 3.799 3.241 3.272 3.297
 
Jumbo 4.000 3.625 4.250 ------ 3.375 3.375
APR 4.002 3.654 4.276 ------ 3.396 3.411
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.500 3.750
APR 4.276 3.599 4.064 3.519 3.537 3.787
 
******************************* 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 3.950 3.250 3.750 3.125 3.250 3.375
>$417K 4.125 3.875 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 4.000 3.250 3.875 3.250 3.625 3.875
>$417K 4.125 3.875 4.375 ------ 3.500 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.800 2.990 3.625 3.000 3.125 3.250
APR 3.820 3.031 3.622 2.991 3.131 3.256
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.977 3.640 4.242 ------ 3.373 3.388
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.200 3.500 4.000 3.375 3.500 3.750
APR 4.226 3.535 4.024 3.445 3.509 3.759
 
******************************* 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 4.000 3.250 3.750 3.250 3.500 3.625
>$417K 4.375 3.875 4.500 ------ 3.625 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 3.875 3.990
>$417K 4.750 4.125 4.500 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.800 2.990 3.625 3.000 3.125 3.250
APR 3.824 3.038 3.619 3.001 3.135 3.260
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.980 3.645 4.246 ------ 3.376 3.390
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.200 3.500 4.000 3.375 3.500 3.750
APR 4.230 3.542 4.029 3.455 3.512 3.763
 
******************************* 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 4.000 3.250 3.875 3.250 3.750 3.875
>$417K 4.750 4.125 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.000 3.750 ------ 4.375
>$417K 4.750 4.125 4.500 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.990 3.625 2.875 3.125 3.250
APR 3.796 3.102 3.656 2.992 3.158 3.285
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.976 3.646 4.247 ------ 3.372 3.386
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.172 3.564 4.036 3.467 3.557 3.808
 
******************************* 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 4.125 3.500 4.000 3.375 ------ 4.375
>$417K 5.125 4.375 4.875 ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 ------ ------
>$417K 5.125 4.375 4.875 ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 2.875 3.125 3.250
APR 3.805 3.078 3.680 3.015 3.158 3.283
 
>$417K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.981 3.654 4.247 ------ 3.376 3.391
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.181 3.579 4.048 3.490 3.558 3.809

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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