奇虎贷款利率 - CA, TX, MD, VA, FL - 10月27日星期四

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奇虎贷款今日房贷利率（CA、FL、MD、TX、VA）

'SUMMARY：今天（10月27日星期四）和昨天相比稍微变差。目前重新贷款40万左右的利率，30年固定维持在3.5%， 15年维持在2.75%，5/1 ARM仍为3.000%。购房贷款40万左右，30年固定的利率仍为3.375%，15年固定仍为2.625%，5/1 ARM仍为2.75%。

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
3.500 2.750 3.250 2.750 3.000 3.250
>$417K 3.700 2.875 3.500 3.000 3.250 3.375
Jumbo 3.750 3.125 ------ ------ 3.125 3.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.875 3.375 2.875 3.250 3.625
>$417K 4.000 3.625 4.000 3.625 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.125 2.625 2.750 3.125
APR 3.409 2.698 3.181 2.686 2.799 3.146
 
>$417K 3.500 2.875 3.500 2.875 3.125 3.250
APR 3.538 2.891 3.500 2.947 3.164 3.271
 
Jumbo 3.625 3.000 ------ ------ 3.000 3.000
APR 3.636 3.039 ------ ------ 3.017 3.032
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.500 3.125 3.625 3.750
APR 3.775 3.174 3.512 3.215 3.680 3.802
 
******************************* 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
3.500 2.750 3.250 2.625 3.000 3.250
>$417K 3.875 3.375 ------ ------ 3.250 3.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.875 3.375 2.875 3.250 3.500
>$417K 3.875 3.500 ------ ------ 3.375 3.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.125 2.500 2.750 2.990
APR 3.379 2.638 3.133 2.568 2.767 3.014
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.632 3.033 ------ ------ 3.014 3.125
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.700 3.000 3.500 3.125 3.625 3.750
APR 3.729 3.043 3.465 3.123 3.645 3.767
 
******************************* 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
3.500 2.875 3.375 2.750 3.125 3.375
>$417K 3.875 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.990 3.500 3.000 3.375 3.625
>$417K 4.000 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.125 2.500 2.750 2.990
APR 3.375 2.644 3.139 2.577 2.771 3.017
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.635 3.037 ------ ------ 3.016 3.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.700 3.000 3.500 3.125 3.625 3.750
APR 3.733 3.050 3.470 3.132 3.649 3.771
 
******************************* 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
3.500 2.875 3.375 2.875 3.250 3.500
>$417K 3.875 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.800 3.125 3.500 3.125 3.875 3.875
>$417K 4.000 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.125 2.500 2.750 3.125
APR 3.380 2.714 3.176 2.643 2.779 3.134
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.633 3.034 ------ ------ 3.014 3.125
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.500 3.000 3.625 3.750
APR 3.671 3.081 3.508 3.118 3.662 3.798
 
******************************* 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
3.625 3.000 3.500 3.000 3.875 3.875
>$417K 4.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.625 3.250 ------ 4.375
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.125 2.500 2.750 3.125
APR 3.388 2.714 3.194 2.636 2.797 3.155
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.635 3.038 ------ ------ 3.017 3.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.500 3.000 3.750 3.875
APR 3.679 3.096 3.525 3.140 3.790 3.916
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):
- - - - - - 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
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