奇虎贷款利率-CA, TX, MD, VA,FL- 12月13日 星期二

SUMMARY：今天（12月13日 星期二)开盘时的房贷利率价格和上个工作日相比略微下降
。目前重新贷款40万左右的利率，30年固定利率下降在4.000%，15年固定利率稳定至
3.250%，5/1 ARM稳定在3.500%。购房贷款40万左右，30年固定的利率下降在3.950%，
15年固定利率下降在3.125%，5/1 ARM稳定在3.125%.

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
	4.000	3.250	3.875	3.250	3.500	3.750
>$417K	4.250	3.500	4.000	3.750	3.625	3.750
Jumbo	4.250	4.000	------	------	3.500	3.625
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	3.750	3.990
>$417K	4.375	------	4.500	------	3.750	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.950	3.125	3.750	3.125	3.125	3.375
APR	3.999	3.223	3.793	3.205	3.158	3.410
>$417K	4.125	3.375	4.000	3.250	3.375	3.500
APR	4.158	3.396	3.995	3.336	3.407	3.542
Jumbo	4.250	3.750	------	------	3.250	3.500
APR	4.248	3.814	------	------	3.279	3.518
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.500	4.375	4.375
APR	4.307	3.599	4.189	3.644	4.426	4.420
******************************* 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
	4.000	3.250	3.875	3.250	3.375	3.500
>$417K	4.250	------	------	------	3.500	3.625
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	3.625	3.875
>$417K	4.375	------	------	------	3.500	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.950	3.125	3.750	3.125	2.990	3.250
APR	3.960	3.173	3.754	3.088	3.012	3.279
>$417K	4.250	3.875	------	------	3.250	3.500
APR	4.223	3.902	------	------	3.255	3.494
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.500	4.375	4.250
APR	4.278	3.548	4.149	3.570	4.392	4.275
******************************* 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
	4.125	3.250	4.000	3.250	3.500	3.750
>$417K	------	------	------	------	3.750	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.125	3.500	4.125	3.500	3.875	4.125
>$417K	------	------	------	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.950	3.125	3.750	3.125	2.990	3.250
APR	3.964	3.180	3.759	3.097	3.016	3.282
>$417K	4.250	3.875	------	------	3.250	3.500
APR	4.225	3.907	------	------	3.258	3.497
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.500	4.375	4.250
APR	4.271	3.555	4.154	3.580	4.395	4.279
******************************* 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
	4.125	3.375	4.000	3.375	3.750	4.000
>$417K	------	------	------	------	3.625	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.750	4.125	3.750	------	------
>$417K	------	------	------	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.875	3.125	3.750	3.125	3.125	3.375
APR	3.921	3.188	3.792	3.163	3.151	3.403
>$417K	4.250	3.875	------	------	3.250	3.500
APR	4.221	3.900	------	------	3.254	3.493
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.500	4.375	4.375
APR	4.276	3.564	4.161	3.592	4.404	4.413
******************************* 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
	4.250	3.500	4.125	3.500	------	------
>$417K	4.625	------	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.625	4.250	3.625	------	------
>$417K	4.625	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.875	3.125	3.750	3.000	3.125	3.375
APR	3.930	3.203	3.758	3.094	3.163	3.415
>$417K	4.250	3.875	------	------	3.250	3.500
APR	4.226	3.908	------	------	3.258	3.497
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.500	4.375	4.375
APR	4.285	3.579	4.173	3.615	4.425	4.426

 

 

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