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»奇虎贷款利率-CA, TX, MD, VA,FL, GA, WA - 3月6日星期三
SUMMARY：今天（03月06日星期三)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 | | <=$453K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ | | >$453K | 4.500 | 4.125 | ------ | ------ | 4.250 | ------ | | Jumbo | 5.000 | 4.500 | ------ | ------ | 4.375 | 4.500 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$453K | 4.750 | 4.250 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.375 | 3.750 | 4.250 | 3.750 | 4.125 | 4.125 | | APR | 4.373 | 3.820 | 4.248 | 3.852 | 4.155 | 4.165 | | | | >$453K | 4.375 | 3.875 | ------ | ------ | 4.125 | ------ | | APR | 4.417 | 3.948 | ------ | ------ | 4.146 | ------ | | | | Jumbo | 4.625 | 4.000 | ------ | ------ | 4.000 | 4.000 | | APR | 4.664 | 4.048 | ------ | ------ | 4.027 | 4.037 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.875 | 4.375 | 4.750 | 4.375 | ------ | ------ | | APR | 4.906 | 4.465 | 4.807 | 4.505 | ------ | ------ | | | ******************************* 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 | | <=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.250 | | >$453K | 5.000 | 4.500 | ------ | ------ | 4.375 | 4.500 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$453K | 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 | | <=$453K | 4.375 | 3.750 | 4.250 | 3.750 | 4.125 | 4.125 | | APR | 4.344 | 3.769 | 4.207 | 3.778 | 4.126 | 4.136 | | | | >$453K | 4.625 | 4.000 | ------ | ------ | 4.000 | 4.000 | | APR | 4.638 | 4.004 | ------ | ------ | 4.002 | 4.013 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.875 | 4.375 | 4.750 | 4.375 | ------ | ------ | | APR | 4.876 | 4.413 | 4.766 | 4.430 | ------ | ------ | | | ******************************* 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 | | <=$453K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ | | >$453K | 5.125 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ | | >$453K | 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 | | <=$453K | 4.250 | 3.750 | 4.250 | 3.750 | 4.125 | 4.125 | | APR | 4.275 | 3.776 | 4.213 | 3.788 | 4.129 | 4.140 | | | | >$453K | 4.625 | 4.000 | ------ | ------ | 4.000 | 4.000 | | APR | 4.641 | 4.009 | ------ | ------ | 4.005 | 4.015 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.875 | 4.375 | 4.750 | 4.375 | ------ | ------ | | APR | 4.869 | 4.420 | 4.771 | 4.440 | ------ | ------ | | | ******************************* 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 | | <=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$453K | 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 | | <=$453K | 5.500 | 5.125 | 5.625 | ------ | ------ | ------ | | >$453K | 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 | | <=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 4.125 | 4.125 | | APR | 4.280 | 3.785 | 4.181 | 3.800 | 4.155 | 4.166 | | | | >$453K | 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 | | <=$453K | 4.750 | 4.375 | 4.500 | 4.375 | ------ | ------ | | APR | 4.803 | 4.429 | 4.572 | 4.452 | ------ | ------ | | | ******************************* 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 | | <=$453K | 4.750 | 4.375 | 4.500 | 4.375 | ------ | ------ | | >$453K | 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 | | <=$453K | 4.875 | 4.750 | 4.875 | 4.750 | ------ | ------ | | >$453K | 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 | | <=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 4.125 | 4.125 | | APR | 4.289 | 3.800 | 4.194 | 3.823 | 4.154 | 4.164 | | | | >$453K | 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 | | <=$453K | 4.875 | 4.375 | 4.625 | 4.375 | ------ | ------ | | APR | 4.883 | 4.445 | 4.695 | 4.476 | ------ | ------ | | | ******************************* 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 | | <=$453K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$453K | 5.125 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.875 | 4.375 | 4.625 | 4.375 | ------ | ------ | | >$453K | 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 | | <=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 4.125 | 4.125 | | APR | 4.304 | 3.826 | 4.214 | 3.860 | 4.168 | 4.179 | | | | >$453K | 4.625 | 4.000 | ------ | ------ | 4.000 | 4.000 | | APR | 4.648 | 4.020 | ------ | ------ | 4.011 | 4.022 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.875 | 4.375 | 4.625 | 4.375 | ------ | ------ | | APR | 4.898 | 4.471 | 4.716 | 4.513 | ------ | ------ | | | ******************************* 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 | | <=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.250 | | >$453K | 5.000 | 4.500 | ------ | ------ | 4.375 | 4.500 | | Jumbo | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.375 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ | | >$453K | 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 | | <=$453K | 4.375 | 3.750 | 4.250 | 3.750 | 4.125 | 4.125 | | APR | 4.343 | 3.768 | 4.207 | 3.777 | 4.125 | 4.135 | | | | >$453K | 4.625 | 4.000 | ------ | ------ | 4.000 | 4.000 | | APR | 4.638 | 4.004 | ------ | ------ | 4.002 | 4.012 | | | | Jumbo | 4.625 | 4.000 | ------ | ------ | 4.000 | 4.000 | | APR | 4.633 | 3.995 | ------ | ------ | 3.997 | 4.007 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$453K | 4.875 | 4.375 | 4.750 | 4.375 | ------ | ------ | | APR | 4.875 | 4.412 | 4.765 | 4.429 | ------ | ------ | |
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 |
