奇虎贷款利率-CA, TX, MD, VA,FL- 01月25日星期三

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SUMMARY：今天（01月25日 星期三)开盘时的房贷利率价格和上个工作日相比持平
。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年固定利率稳定在3.
250%，5/1 ARM稳定在3.375%。购房贷款40万左右，30年固定的利率稳定在4.000%，
15年固定利率稳定在3.25%，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
4.125 3.250 4.000 3.250 3.375 3.750
>$417K 4.375 3.500 4.125 3.500 3.750 3.875
Jumbo 4.375 3.750 ------ ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.375 4.125 3.375 3.750 3.990
>$417K 4.500 4.000 4.500 ------ 3.750 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.250 3.125 3.250
APR 4.036 3.240 3.912 3.235 3.159 3.304
 
>$417K 4.200 3.375 4.000 3.375 3.500 3.750
APR 4.216 3.410 4.055 3.469 3.530 3.786
 
Jumbo 4.250 3.625 ------ ------ 3.375 3.625
APR 4.250 3.667 ------ ------ 3.409 3.655
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.250 3.625 4.250 4.500
APR 4.422 3.706 4.285 3.743 4.300 4.542
 
******************************* 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 3.250 4.000 3.250 3.375 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
4.250 3.375 4.125 3.375 3.625 3.875
>$417K 4.500 4.000 ------ ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.125 3.125 3.250
APR 4.007 3.190 3.865 3.181 3.131 3.276
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.246 3.725 ------ ------ 3.385 3.634
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.250 3.625 4.125 4.375
APR 4.393 3.655 4.245 3.669 4.152 4.396
 
******************************* 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 4.000 3.375 3.625 3.875
>$417K 4.500 4.125 ------ ------ 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 4.125 3.500 3.875 4.125
>$417K 4.500 4.250 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.125 3.125 3.250
APR 4.000 3.196 3.871 3.191 3.135 3.280
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.249 3.730 ------ ------ 3.388 3.637
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.250 3.625 4.125 4.375
APR 4.386 3.662 4.250 3.679 4.156 4.400
 
******************************* 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
4.250 3.375 4.125 3.375 3.750 3.990
>$417K 4.500 4.125 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 3.750 4.250 3.750 ------ ------
>$417K 4.500 4.250 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.250 3.875 3.125 3.125 3.250
APR 4.005 3.205 3.882 3.257 3.159 3.305
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.247 3.726 ------ ------ 3.384 3.632
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.625 4.250 3.625 4.125 4.375
APR 4.308 3.670 4.257 3.691 4.166 4.414
 
******************************* 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 4.250 3.625 ------ ------
>$417K 4.625 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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
4.000 3.250 3.875 3.125 3.125 3.250
APR 4.014 3.220 3.910 3.250 3.158 3.303
 
>$417K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.249 3.731 ------ ------ 3.388 3.637
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.250 3.625 4.250 4.500
APR 4.400 3.686 4.269 3.714 4.298 4.546

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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