奇虎贷款利率-CA, TX, MD, VA,FL- 1月3日 星期二

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SUMMARY：今天（1月3日 星期二)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稳定至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。

 

******************************* 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
4.125 3.375 3.875 3.250 3.500 3.750
>$417K 4.250 3.625 4.125 3.625 3.875 4.000
Jumbo 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
4.250 3.500 3.875 3.375 3.875 3.990
>$417K 4.500 4.250 4.625 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.990 3.250 3.750 3.125 2.990 3.375
APR 4.040 3.276 3.793 3.231 3.039 3.410
 
>$417K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.150 3.528 4.025 3.459 3.540 3.787
 
Jumbo 4.250 3.875 ------ ------ 3.375 3.625
APR 4.276 3.925 ------ ------ 3.415 3.667
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.125 3.625 4.125 4.250
APR 4.411 3.725 4.198 3.769 4.178 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
4.125 3.375 3.875 3.250 3.500 3.625
>$417K 4.375 4.250 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.500 3.875 3.250 3.750 3.875
>$417K 4.375 4.250 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.990 3.250 3.750 3.125 2.990 3.250
APR 4.001 3.222 3.754 3.158 3.002 3.278
 
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.251 3.982 ------ ------ 3.391 3.643
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.125 3.625 4.125 3.990
APR 4.382 3.677 4.158 3.695 4.138 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
4.125 3.375 3.875 3.250 3.625 3.750
>$417K ------ ------ ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.500 4.000 3.500 4.000 3.990
>$417K ------ ------ ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.990 3.250 3.750 3.125 2.990 3.250
APR 4.005 3.229 3.759 3.168 3.006 3.282
 
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.253 3.987 ------ ------ 3.394 3.645
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.125 3.625 4.125 3.990
APR 4.375 3.684 4.163 3.705 4.142 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
4.125 3.500 4.000 3.375 3.875 3.990
>$417K ------ ------ ------ ------ 3.875 4.000
 
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 3.625 ------ 4.500
>$417K ------ ------ ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.990 3.250 3.750 3.125 2.990 3.375
APR 4.033 3.241 3.792 3.230 3.032 3.403
 
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.249 3.979 ------ ------ 3.390 3.641
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.625 4.125 3.625 4.125 4.250
APR 4.297 3.689 4.197 3.717 4.170 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
4.250 3.625 4.125 3.500 ------ 4.500
>$417K 4.750 ------ ------ ------ ------ ------
 
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 4.750 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.990 3.250 3.750 3.125 2.990 3.375
APR 4.046 3.243 3.758 3.167 3.044 3.415
 
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.254 3.987 ------ ------ 3.394 3.646
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.625 4.125 3.625 4.125 4.250
APR 4.306 3.705 4.163 3.720 4.183 4.311

 

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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