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»奇虎贷款利率-CA, TX, MD, VA,FL, GA, WA - 3月19日星期二
SUMMARY：今天（03月19日星期二)开盘时的房贷利率价格和上个工作日相比基本持平.
| 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 $453K, High-Balance Loan $636K, 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 | | <=$484K | 4.250 | 3.750 | 4.125 | 3.750 | ------ | ------ | | >$484K | 4.375 | 3.875 | ------ | ------ | 4.125 | ------ | | Jumbo | 4.875 | 4.375 | ------ | ------ | 4.375 | 4.500 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 4.000 | 4.250 | 4.000 | ------ | ------ | | >$484K | 4.500 | 4.125 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.125 | 3.625 | 3.875 | 3.625 | 4.000 | 4.000 | | APR | 4.176 | 3.677 | 3.944 | 3.700 | 4.040 | 4.050 | | | | >$484K | 4.250 | 3.750 | ------ | ------ | 4.000 | ------ | | APR | 4.292 | 3.823 | ------ | ------ | 4.031 | ------ | | | | Jumbo | 4.625 | 3.875 | ------ | ------ | 3.875 | 3.875 | | APR | 4.642 | 3.905 | ------ | ------ | 3.902 | 3.912 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ | | APR | 4.792 | 4.303 | 4.527 | 4.326 | ------ | ------ | | | ******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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 | | <=$484K | 4.250 | 3.750 | 4.000 | 3.750 | 4.125 | 4.250 | | >$484K | 4.875 | 4.375 | ------ | ------ | 4.375 | 4.500 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ | | >$484K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.125 | 3.625 | 3.875 | 3.625 | 4.000 | 4.000 | | APR | 4.146 | 3.626 | 3.904 | 3.626 | 4.011 | 4.021 | | | | >$484K | 4.625 | 3.875 | ------ | ------ | 3.875 | 3.875 | | APR | 4.617 | 3.861 | ------ | ------ | 3.877 | 3.888 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ | | APR | 4.761 | 4.251 | 4.486 | 4.251 | ------ | ------ | | | ******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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 | | <=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ | | >$484K | 5.000 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ | | >$484K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.125 | 3.625 | 3.875 | 3.625 | 4.000 | 4.000 | | APR | 4.140 | 3.633 | 3.910 | 3.636 | 4.015 | 4.025 | | | | >$484K | 4.625 | 3.875 | ------ | ------ | 3.875 | 3.875 | | APR | 4.619 | 3.866 | ------ | ------ | 3.880 | 3.890 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.625 | 4.250 | 4.500 | 4.250 | ------ | ------ | | APR | 4.651 | 4.258 | 4.492 | 4.261 | ------ | ------ | | | ******************************* 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 | | <=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ | | >$484K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 5.500 | 5.125 | 5.625 | ------ | ------ | ------ | | >$484K | 5.250 | 4.875 | 5.000 | ------ | 4.625 | 4.625 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.000 | 3.500 | 3.875 | 3.500 | 4.000 | 4.000 | | APR | 4.040 | 3.589 | 3.916 | 3.629 | 4.040 | 4.051 | | | | >$484K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 | | APR | 4.997 | 4.533 | 4.747 | ------ | 4.253 | 4.378 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ | | APR | 4.552 | 4.197 | 4.432 | 4.229 | ------ | ------ | | | ******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo 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 | | <=$484K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$484K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.875 | 4.375 | 4.500 | 4.375 | ------ | ------ | | >$484K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.000 | 3.625 | 3.875 | 3.625 | 4.000 | 4.000 | | APR | 4.049 | 3.657 | 3.929 | 3.671 | 4.039 | 4.049 | | | | >$484K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 | | APR | 4.998 | 4.534 | 4.747 | ------ | 4.253 | 4.378 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ | | APR | 4.665 | 4.213 | 4.444 | 4.252 | ------ | ------ | | | ******************************* GEORGIA *******************************
(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 | | <=$484K | 4.375 | 4.000 | 4.250 | 4.000 | ------ | ------ | | >$484K | 5.000 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$484K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.000 | 3.625 | 3.875 | 3.625 | 4.000 | 4.000 | | APR | 4.064 | 3.682 | 3.949 | 3.708 | 4.053 | 4.064 | | | | >$484K | 4.625 | 3.875 | ------ | ------ | 3.875 | 3.875 | | APR | 4.626 | 3.877 | ------ | ------ | 3.886 | 3.897 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ | | APR | 4.680 | 4.239 | 4.465 | 4.290 | ------ | ------ | | | ******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K, 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 | | <=$484K | 4.250 | 3.750 | 4.000 | 3.750 | 4.125 | 4.250 | | >$484K | 4.875 | 4.375 | ------ | ------ | 4.375 | 4.500 | | Jumbo | 4.750 | 4.250 | ------ | ------ | 4.250 | 4.375 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ | | >$484K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.125 | 3.625 | 3.875 | 3.625 | 4.000 | 4.000 | | APR | 4.146 | 3.625 | 3.904 | 3.625 | 4.010 | 4.021 | | | | >$484K | 4.625 | 3.875 | ------ | ------ | 3.875 | 3.875 | | APR | 4.616 | 3.860 | ------ | ------ | 3.877 | 3.887 | | | | Jumbo | 4.625 | 3.875 | ------ | ------ | 3.875 | 3.875 | | APR | 4.611 | 3.851 | ------ | ------ | 3.872 | 3.882 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ | | APR | 4.761 | 4.250 | 4.485 | 4.250 | ------ | ------ | |
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.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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 |
