奇虎贷款利率-CA, TX, MD, VA,FL- 11月09日星期三

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SUMMARY：今天（11月09日 星期三)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率，30年固定利率上升至3.625%，15年固定利率稳定在
2.750%，5/1 ARM上升至3.125%。购房贷款40万左右，30年固定的利率上升至3.450%，
15年固定利率上升至2.750%，5/1 ARM上升至2.875%.

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
<=$417K 3.625 2.750 3.375 2.750 3.125 3.375
>$417K 3.800 3.125 3.625 3.125 3.375 3.375
Jumbo 3.875 3.250 ------ ------ 3.125 3.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.375 3.625
>$417K 4.125 3.625 4.125 3.750 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.450 2.750 3.250 2.750 2.875 3.125
APR 3.499 2.745 3.309 2.761 2.905 3.146
 
>$417K 3.625 2.875 3.500 2.875 3.125 3.250
APR 3.658 2.955 3.564 2.973 3.156 3.271
 
Jumbo 3.625 3.000 ------ ------ 3.000 3.000
APR 3.659 3.060 ------ ------ 3.019 3.033
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.125 3.000 3.750
APR 3.910 3.223 3.662 3.268 3.046 3.801
 
******************************* 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
<=$417K 3.625 2.750 3.375 2.750 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
<=$417K 3.625 2.875 3.500 2.875 3.250 3.500
>$417K 4.000 ------ ------ ------ 3.250 3.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.450 2.750 3.250 2.625 2.750 2.990
APR 3.461 2.678 3.256 2.670 2.776 3.009
 
>$417K 3.750 3.125 ------ ------ 3.000 3.125
APR 3.743 3.129 ------ ------ 3.005 3.126
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.125 3.625 3.750
APR 3.882 3.155 3.608 3.195 3.632 3.762
 
******************************* 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
<=$417K 3.625 2.875 3.500 2.875 3.125 3.375
>$417K 4.000 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 3.000 3.500 3.625
>$417K 4.125 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.450 2.750 3.250 2.625 2.750 2.990
APR 3.464 2.685 3.261 2.679 2.779 3.013
 
>$417K 3.750 3.125 ------ ------ 3.000 3.125
APR 3.745 3.133 ------ ------ 3.008 3.129
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.125 3.625 3.750
APR 3.875 3.161 3.613 3.204 3.636 3.766
 
******************************* 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
<=$417K 3.625 2.875 3.500 2.875 3.250 3.625
>$417K 4.000 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.250 3.625 3.125 3.750 3.875
>$417K 4.125 ------ ------ ------ ------ 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.250 2.625 2.750 2.990
APR 3.420 2.723 3.299 2.745 2.788 3.040
 
>$417K 3.750 3.125 ------ ------ 3.000 3.125
APR 3.743 3.130 ------ ------ 3.004 3.126
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.125 3.625 3.750
APR 3.796 3.188 3.652 3.216 3.663 3.794
 
******************************* 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
<=$417K 3.750 3.125 3.625 3.125 3.750 3.875
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.250 ------ 4.375
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.250 2.625 2.875 3.125
APR 3.429 2.738 3.316 2.738 2.903 3.151
 
>$417K 3.750 3.125 ------ ------ 3.000 3.125
APR 3.746 3.134 ------ ------ 3.008 3.129
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.125 3.625 3.750
APR 3.805 3.203 3.669 3.239 3.676 3.806

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.

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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