奇虎贷款利率-CA, TX, MD, VA,FL- 12月29日星期四

SUMMARY：今天（12月29日 星期四)开盘时的房贷利率价格和上个工作日相比趋于持平
。目前重新贷款40万左右的利率，30年固定利率稳定在4.125%，15年固定利率稳定至
3.375%，5/1 ARM稳定在3.500%。购房贷款40万左右，30年固定的利率稳定在3.990%，
15年固定利率稳定在3.250%，5/1 ARM降低至2.990%.

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。

(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	4.125	3.375	3.875	3.250	3.500	3.750
>$417K	4.250	3.625	4.125	4.000	3.750	4.000
Jumbo	4.375	3.875	------	------	3.625	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.000	3.375	3.875	3.990
>$417K	4.500	4.375	4.125	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.750	3.125	2.990	3.375
APR	4.045	3.276	3.808	3.258	3.039	3.409
>$417K	4.125	3.500	4.000	3.375	3.500	3.750
APR	4.145	3.529	4.039	3.455	3.539	3.785
Jumbo	4.250	3.625	------	------	3.375	3.625
APR	4.257	3.685	------	------	3.414	3.660
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.625	4.125	4.250
APR	4.422	3.725	4.251	3.769	4.180	4.305
******************************* 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	4.125	3.375	3.875	3.250	3.500	3.625
>$417K	4.375	4.000	------	------	3.625	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	3.875	3.375	3.750	3.875
>$417K	4.500	4.125	------	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.750	3.125	2.990	3.250
APR	4.006	3.222	3.768	3.179	3.002	3.277
>$417K	4.250	3.750	------	------	3.375	3.625
APR	4.253	3.743	------	------	3.390	3.640
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.625	4.125	3.990
APR	4.393	3.674	4.210	3.695	4.140	4.017
******************************* 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	4.125	3.375	3.875	3.250	3.625	3.750
>$417K	4.500	4.250	------	------	3.875	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	4.000	3.990
>$417K	4.625	4.375	------	------	3.875	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.750	3.125	2.990	3.250
APR	4.010	3.229	3.773	3.189	3.006	3.281
>$417K	4.250	3.750	------	------	3.375	3.625
APR	4.256	3.747	------	------	3.392	3.643
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.625	4.125	3.990
APR	4.386	3.680	4.216	3.705	4.144	4.021
******************************* 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	4.250	3.500	4.000	3.500	3.875	3.990
>$417K	4.500	4.250	------	------	3.875	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.125	3.625	------	4.500
>$417K	4.625	4.375	------	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.750	3.125	2.990	3.375
APR	4.038	3.241	3.807	3.255	3.032	3.402
>$417K	4.250	3.750	------	------	3.375	3.625
APR	4.254	3.744	------	------	3.388	3.638
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.625	4.250	3.625	4.125	4.250
APR	4.308	3.689	4.250	3.717	4.172	4.298
******************************* 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	4.250	3.625	4.125	3.500	------	4.500
>$417K	4.625	------	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.250	3.750	------	------
>$417K	4.750	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.750	3.125	2.990	3.375
APR	4.006	3.256	3.773	3.193	3.044	3.414
>$417K	4.250	3.750	------	------	3.375	3.625
APR	4.257	3.748	------	------	3.393	3.643
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.125	3.625	4.125	4.250
APR	4.400	3.705	4.177	3.747	4.185	4.310

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