奇虎贷款利率-CA, TX, MD, VA,FL- 02月13日 星期一

SUMMARY：今天（02月13日 星期一)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年固定利率稳定在4.000%，15年固定利率稳定至3.
250%，5/1 ARM稳定至3.250%。购房贷款40万左右，30年固定的利率稳定至3.990%，
15年固定利率下降在3.250%，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	3.250	3.750	3.990
Jumbo	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	3.750
>$417K	4.500	3.875	4.125	------	3.750	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	3.250
APR	4.039	3.186	3.793	3.200	3.045	3.288
>$417K	4.125	3.250	4.000	3.250	3.375	3.625
APR	4.162	3.305	4.009	3.257	3.404	3.651
Jumbo	4.125	3.500	4.250	------	3.500	3.625
APR	4.157	3.576	4.272	------	3.539	3.658
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	3.875
APR	4.307	3.599	4.175	3.564	3.657	3.907
******************************* 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	3.250	3.250	3.500
>$417K	4.375	3.875	4.375	------	3.750	3.875
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	4.000	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	3.250	3.750	3.125	2.990	3.250
APR	3.980	3.136	3.754	3.085	3.008	3.250
>$417K	4.250	3.625	4.250	------	3.500	3.625
APR	4.232	3.632	4.237	------	3.515	3.634
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	3.875
APR	4.278	3.548	4.134	3.491	3.628	3.878
******************************* 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	4.500	4.000	4.500	------	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	3.375	4.000	3.375	3.625	3.875
>$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	3.950	3.250	3.750	3.125	2.990	3.250
APR	3.983	3.143	3.759	3.094	3.012	3.254
>$417K	4.250	3.625	4.250	------	3.500	3.625
APR	4.235	3.637	4.241	------	3.517	3.636
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	3.875
APR	4.271	3.555	4.140	3.501	3.632	3.882
******************************* 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	4.500	4.000	4.500	------	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	3.625	4.125	3.625	4.125	3.990
>$417K	4.500	4.250	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	3.206	3.792	3.118	3.038	3.281
>$417K	4.250	3.625	4.250	------	3.500	3.625
APR	4.233	3.633	4.241	------	3.513	3.632
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	3.875
APR	4.276	3.564	4.146	3.493	3.672	3.923
******************************* 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	4.625	4.500	4.750	------	4.500	4.250
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	4.500	4.750	------	4.500	4.500
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	3.222	3.758	3.140	3.052	3.293
>$417K	4.250	3.625	4.250	------	3.500	3.625
APR	4.235	3.638	4.241	------	3.518	3.637
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	3.875
APR	4.285	3.579	4.159	3.516	3.673	3.924

 

 

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