奇虎贷款利率-CA, TX, MD, VA,FL- 02月10日星期五

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SUMMARY：今天（02月10日 星期五)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4.000%，15年固定利率稳定至3.
250%，5/1 ARM上升至3.250%。购房贷款40万左右，30年固定的利率稳定至3.990%，
15年固定利率稳定在3.125%，5/1 ARM稳定在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
<=$417K 4.000 3.250 3.875 3.250 3.250 3.500
>$417K 4.250 3.375 4.000 3.500 3.750 3.875
Jumbo 4.250 3.625 4.375 ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.000 3.250 3.500 3.750
>$417K 4.500 3.875 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.125 3.750 3.125 2.990 3.250
APR 4.035 3.223 3.793 3.186 3.045 3.286
 
>$417K 4.125 3.250 4.000 3.250 3.375 3.625
APR 4.162 3.295 4.006 3.276 3.420 3.653
 
Jumbo 4.125 3.500 4.250 ------ 3.500 3.625
APR 4.125 3.550 4.272 ------ 3.527 3.642
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.625 3.750
APR 4.307 3.599 4.175 3.564 3.657 3.782
 
******************************* 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 4.000 3.250 3.875 3.125 3.250 3.500
>$417K 4.250 3.750 4.375 ------ 3.750 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.000 3.250 3.500 3.625
>$417K 4.375 3.875 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.125 3.750 3.125 2.990 3.250
APR 3.976 3.173 3.754 3.071 3.007 3.249
 
>$417K 4.125 3.625 4.250 ------ 3.500 3.625
APR 4.122 3.608 4.237 ------ 3.508 3.623
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.625 3.750
APR 4.278 3.548 4.134 3.491 3.628 3.753
 
******************************* 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 3.250 3.875 3.250 3.375 3.625
>$417K 4.375 4.000 4.500 ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.000 3.375 3.625 3.875
>$417K 4.500 4.000 4.500 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.125 3.750 3.125 2.990 3.250
APR 3.979 3.180 3.759 3.081 3.011 3.252
 
>$417K 4.125 3.625 4.250 ------ 3.500 3.625
APR 4.124 3.612 4.241 ------ 3.511 3.625
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.625 3.750
APR 4.271 3.555 4.140 3.501 3.632 3.757
 
******************************* 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 4.125 3.375 4.000 3.250 3.500 3.750
>$417K 4.375 4.000 4.500 ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  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 3.990
>$417K 4.500 4.125 4.500 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 2.990 3.250
APR 3.921 3.188 3.792 3.118 3.038 3.279
 
>$417K 4.125 3.625 4.250 ------ 3.500 3.625
APR 4.122 3.609 4.241 ------ 3.507 3.621
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.375 3.625 3.750
APR 4.276 3.564 4.146 3.493 3.672 3.798
 
******************************* 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 3.500 4.125 3.375 ------ 3.990
>$417K 4.500 4.375 4.750 ------ 4.250 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.500 ------ ------
>$417K 4.625 4.375 4.750 ------ 4.500 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 3.000 3.250
APR 3.930 3.203 3.758 3.140 3.052 3.292
 
>$417K 4.125 3.625 4.250 ------ 3.500 3.625
APR 4.125 3.613 4.241 ------ 3.511 3.626
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.375 3.625 3.750
APR 4.285 3.579 4.159 3.516 3.673 3.798

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

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