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»奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 4月9日星期二
SUMMARY：今天（04月09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：
| 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 $484K, 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 | 4.000 | 3.500 | 3.875 | 3.500 | 3.750 | 3.875 | | >$484K | 4.125 | 3.500 | 4.125 | 3.375 | 3.625 | 4.750 | | Jumbo | 4.500 | 3.875 | ------ | ------ | 3.750 | 3.875 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.250 | 3.750 | 4.125 | 3.625 | 4.000 | 4.000 | | >$484K | 4.375 | 3.875 | 4.500 | 4.000 | 3.875 | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | | APR | 3.884 | 3.409 | 3.859 | 3.379 | 3.549 | 3.665 | | | | >$484K | 4.000 | 3.375 | 4.000 | 3.250 | 3.500 | 4.625 | | APR | 4.023 | 3.420 | 4.034 | 3.305 | 3.543 | 4.647 | | | | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 | | APR | 4.288 | 3.692 | ------ | ------ | 3.527 | 3.652 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ | | APR | 4.427 | 4.072 | 4.417 | 4.005 | ------ | ------ | | | ******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, 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 | 3.875 | 3.500 | 3.875 | 3.375 | 3.750 | 3.750 | | >$484K | 4.500 | 3.875 | ------ | ------ | 3.750 | 3.875 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.250 | 3.625 | 4.000 | 3.625 | 4.000 | 4.000 | | >$484K | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.125 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | | APR | 3.857 | 3.361 | 3.821 | 3.309 | 3.523 | 3.638 | | | | >$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 | | APR | 4.266 | 3.653 | ------ | ------ | 3.506 | 3.631 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ | | APR | 4.399 | 4.023 | 4.378 | 3.935 | ------ | ------ | | | ******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, 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 | 4.000 | 3.625 | 4.000 | 3.625 | 3.875 | 3.875 | | >$484K | 4.625 | 4.125 | ------ | ------ | 4.000 | 4.000 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.250 | 3.750 | 4.250 | 3.750 | ------ | 4.750 | | >$484K | 5.000 | ------ | ------ | ------ | ------ | 4.375 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | | APR | 3.850 | 3.367 | 3.826 | 3.317 | 3.526 | 3.641 | | | | >$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 | | APR | 4.269 | 3.657 | ------ | ------ | 3.508 | 3.633 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ | | APR | 4.391 | 4.029 | 4.383 | 3.943 | ------ | ------ | | | ******************************* 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 | 4.250 | 3.750 | 4.125 | 3.625 | ------ | 4.875 | | >$484K | 4.875 | 4.500 | ------ | ------ | ------ | 4.250 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ | | >$484K | 5.000 | ------ | ------ | ------ | ------ | 4.375 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | | APR | 3.806 | 3.331 | 3.814 | 3.342 | 3.555 | 3.671 | | | | >$484K | 4.500 | 3.875 | ------ | ------ | 3.625 | 3.875 | | APR | 4.520 | 3.894 | ------ | ------ | 3.644 | 3.875 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ | | APR | 4.401 | 3.958 | 4.397 | 3.968 | ------ | ------ | | | ******************************* 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 | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ | | >$484K | 5.125 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 4.125 | 4.500 | 4.125 | ------ | ------ | | >$484K | 5.250 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | | APR | 3.868 | 3.347 | 3.826 | 3.364 | 3.554 | 3.669 | | | | >$484K | 4.500 | 3.875 | ------ | ------ | 3.625 | 3.875 | | APR | 4.522 | 3.899 | ------ | ------ | 3.646 | 3.877 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ | | APR | 4.410 | 3.974 | 4.409 | 3.991 | ------ | ------ | | | ******************************* 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 | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ | | >$484K | 4.625 | 4.125 | ------ | ------ | 4.000 | 4.125 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ | | >$484K | 5.125 | ------ | ------ | ------ | ------ | 4.375 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | | APR | 3.883 | 3.373 | 3.847 | 3.402 | 3.568 | 3.683 | | | | >$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 | | APR | 4.278 | 3.674 | ------ | ------ | 3.517 | 3.642 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ | | APR | 4.425 | 4.000 | 4.430 | 4.028 | ------ | ------ | | | ******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, 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 | 3.875 | 3.500 | 3.875 | 3.375 | 3.750 | 3.750 | | >$484K | 4.500 | 3.875 | ------ | ------ | 3.750 | 3.875 | | Jumbo | 4.500 | 3.875 | ------ | ------ | 3.750 | 3.875 | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.250 | 3.625 | 4.000 | 3.625 | 4.000 | 4.000 | | >$484K | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.125 | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 | | APR | 3.856 | 3.360 | 3.821 | 3.308 | 3.522 | 3.637 | | | | >$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 | | APR | 4.266 | 3.653 | ------ | ------ | 3.505 | 3.630 | | | | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 | | APR | 4.260 | 3.643 | ------ | ------ | 3.500 | 3.625 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ | | APR | 4.398 | 4.022 | 4.378 | 3.933 | ------ | ------ | |
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 |
