奇虎贷款利率-CA, TX, MD, VA,FL- 11月11日星期五

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SUMMARY：今天（11月11日 星期五)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3.750%，15年固定利率上升至
2.875%，5/1 ARM上升至3.375%。购房贷款40万左右，30年固定的利率上升至3.625%，
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
3.750 2.875 3.625 2.875 3.375 3.500
>$417K 4.000 3.250 4.125 3.500 ------ ------
Jumbo 4.125 4.375 ------ ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.125 3.625 3.125 ------ ------
>$417K ------ ------ 4.500 ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.750 3.500 2.750 3.000 3.250
APR 3.656 2.829 3.529 2.866 3.040 3.300
 
>$417K 4.000 3.125 4.000 3.375 ------ ------
APR 3.996 3.208 4.062 3.444 ------ ------
 
Jumbo 3.875 3.375 ------ ------ 3.250 3.375
APR 3.916 3.434 ------ ------ 3.284 3.393
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 ------ ------
APR 4.057 3.330 3.953 3.367 ------ ------
 
******************************* 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
3.750 2.875 3.625 2.875 3.250 3.500
>$417K 4.250 4.375 ------ ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.125 3.625 3.125 ------ ------
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.750 3.500 2.750 3.000 3.250
APR 3.628 2.780 3.490 2.793 3.012 3.272
 
>$417K 4.000 3.500 ------ ------ 3.375 3.375
APR 4.003 3.533 ------ ------ 3.382 3.389
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 ------ ------
APR 4.028 3.280 3.913 3.293 ------ ------
 
******************************* 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
3.750 3.000 3.625 3.000 3.500 3.500
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.125 3.750 3.125 ------ ------
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.750 3.500 2.750 3.000 3.250
APR 3.625 2.786 3.495 2.803 3.016 3.276
 
>$417K 4.000 3.500 ------ ------ 3.375 3.375
APR 4.006 3.537 ------ ------ 3.384 3.392
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 ------ ------
APR 4.021 3.287 3.918 3.303 ------ ------
 
******************************* 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
3.875 3.125 3.750 3.125 ------ ------
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 ------ ------
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.750 3.500 2.750 3.000 3.250
APR 3.630 2.794 3.528 2.815 3.039 3.300
 
>$417K 4.000 3.500 ------ ------ 3.375 3.375
APR 4.004 3.534 ------ ------ 3.382 3.390
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 ------ ------
APR 4.026 3.295 3.925 3.315 ------ ------
 
******************************* 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
4.000 3.250 3.750 3.250 ------ ------
>$417K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.375 4.000 3.375 ------ ------
>$417K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.750 3.500 2.750 3.000 3.250
APR 3.631 2.810 3.494 2.818 3.035 3.296
 
>$417K 4.000 3.500 ------ ------ 3.375 3.375
APR 4.007 3.538 ------ ------ 3.385 3.392
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 ------ ------
APR 4.035 3.311 3.937 3.338 ------ ------

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): 
    -     -     - except for 7/1 ARM which is     -     -     - 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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