奇虎贷款利率-CA, TX, MD, VA,FL- 11月14日 星期一

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SUMMARY：今天（11月14日 星期一)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3.875%，15年固定利率上升至
3.000%，5/1 ARM下降至3.250%。购房贷款40万左右，30年固定的利率上升至3.750%，
15年固定利率上升至2.875%，5/1 ARM上升至3.000%.

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
3.875 3.000 3.750 3.000 3.250 3.500
>$417K 4.125 3.250 4.000 3.250 3.500 3.625
Jumbo 4.000 4.000 ------ ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 3.625 4.000
>$417K 4.750 3.875 4.250 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 2.875 3.625 2.875 3.000 3.375
APR 3.775 2.937 3.633 2.965 3.047 3.410
 
>$417K 3.950 3.125 3.875 3.250 3.250 3.375
APR 3.992 3.170 3.892 3.215 3.283 3.405
 
Jumbo 3.875 3.250 ------ ------ 3.125 3.250
APR 3.900 3.303 ------ ------ 3.154 3.273
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.375 3.990 3.375 4.125 4.375
APR 4.140 3.419 4.015 3.439 4.177 4.423
 
******************************* 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
3.875 3.000 3.750 3.000 3.250 3.500
>$417K 4.125 4.250 ------ ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.125 3.500 3.875
>$417K 4.250 4.375 ------ ------ 3.500 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 2.875 3.500 2.875 3.000 3.375
APR 3.746 2.887 3.539 2.892 3.013 3.373
 
>$417K 4.000 3.375 ------ ------ 3.125 3.250
APR 3.987 3.391 ------ ------ 3.135 3.261
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.375 3.875 3.375 4.125 4.250
APR 4.111 3.369 3.913 3.366 4.140 4.279
 
******************************* 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
3.875 3.125 3.750 3.125 3.375 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 3.250 3.875 3.250 3.750 4.125
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 2.875 3.500 2.875 3.000 3.375
APR 3.740 2.893 3.545 2.902 3.017 3.376
 
>$417K 4.000 3.375 ------ ------ 3.125 3.250
APR 3.990 3.396 ------ ------ 3.137 3.263
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.375 3.875 3.375 4.125 4.250
APR 4.104 3.375 3.918 3.376 4.144 4.283
 
******************************* 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 3.250 3.875 3.250 3.500 4.000
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.500 3.990 3.375 ------ ------
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 2.750 3.625 2.750 3.000 3.375
APR 3.681 2.848 3.623 2.893 3.025 3.403
 
>$417K 4.000 3.375 ------ ------ 3.125 3.250
APR 3.988 3.392 ------ ------ 3.133 3.259
 
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 4.125 4.375
APR 4.047 3.331 3.954 3.368 4.153 4.416
 
******************************* 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 3.875 3.250 ------ ------
>$417K 4.375 ------ ------ ------ ------ ------
 
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
3.750 2.875 3.625 2.875 3.000 3.375
APR 3.753 2.917 3.633 2.936 3.044 3.416
 
>$417K 4.000 3.375 ------ ------ 3.125 3.250
APR 3.990 3.397 ------ ------ 3.138 3.264
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.990 3.250 4.125 4.375
APR 4.056 3.347 4.023 3.391 4.173 4.429

 

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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