奇虎贷款利率-CA, TX, MD, VA,FL- 11月07日星期一

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奇虎贷款今日房贷利率（CA、FL、MD、TX、VA）

SUMMARY：今天（11月07日星期一）开盘时的房贷利率和上个工作日相比持平。目前重新贷款40万左右的利率，30年固定维持在3.500%，15年固定利率稳定在2.750%，5/1 ARM仍为2.750%。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2.750%。

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 3.375 2.750 3.000 3.250
>$417K 3.700 2.875 3.500 3.250 3.375 3.375
Jumbo 3.750 3.125 ------ ------ 3.125 3.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.875 3.500 2.875 3.250 3.500
>$417K 4.000 3.500 3.875 3.625 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 3.250 2.500 2.750 2.990
APR 3.399 2.714 3.246 2.615 2.786 3.022
 
>$417K 3.500 2.750 3.375 2.750 3.125 3.125
APR 3.547 2.815 3.432 2.838 3.157 3.164
 
Jumbo 3.625 3.000 ------ ------ 2.875 3.000
APR 3.635 3.035 ------ ------ 2.910 3.022
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.000 3.500 3.000 3.500 3.625
APR 3.775 3.098 3.543 3.143 3.554 3.670
 
******************************* 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 3.375 2.625 2.875 3.250
>$417K 3.875 3.250 ------ ------ 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 3.125 3.375
>$417K 3.875 3.500 ------ ------ 3.250 3.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.250 2.500 2.750 2.990
APR 3.372 2.646 3.194 2.501 2.755 2.985
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.631 3.029 ------ ------ 3.007 3.115
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.700 3.000 3.500 3.000 3.500 3.625
APR 3.728 3.052 3.490 3.070 3.515 3.631
 
******************************* 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 2.750 3.375 2.750 3.000 3.375
>$417K 3.875 ------ ------ ------ ------ 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.875 3.500 2.875 3.375 3.500
>$417K 4.000 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.250 2.500 2.750 2.990
APR 3.365 2.653 3.199 2.511 2.758 2.988
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.634 3.033 ------ ------ 3.009 3.118
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.700 3.000 3.500 3.000 3.500 3.625
APR 3.732 3.059 3.495 3.079 3.519 3.635
 
******************************* 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 3.500 2.875 3.125 3.500
>$417K 3.875 ------ ------ ------ ------ 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  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
>$417K 4.000 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.250 2.500 2.750 2.990
APR 3.370 2.701 3.237 2.576 2.766 3.015
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.632 3.030 ------ ------ 3.006 3.115
 
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 3.500 3.625
APR 3.671 3.063 3.533 3.091 3.547 3.662
 
******************************* 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 3.625 3.750
>$417K 4.125 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.125 ------ 4.125
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.625 3.250 2.500 2.750 2.990
APR 3.378 2.707 3.254 2.570 2.785 3.027
 
>$417K 3.625 3.000 ------ ------ 3.000 3.125
APR 3.634 3.034 ------ ------ 3.010 3.118
 
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 3.625
APR 3.679 3.078 3.551 3.114 3.658 3.675

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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