奇虎贷款利率-CA, TX, MD, VA,FL- 02月22日星期三

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SUMMARY：今天（02月22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年固定利率稳定至3.
250%，5/1 ARM稳定在3.250%。购房贷款40万左右，30年固定的利率稳定在3.950%，
15年固定利率稳定在3.125%，5/1 ARM下降至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 3.250 3.875 3.250 3.250 3.500
>$417K 4.200 3.375 4.000 3.250 3.750 3.875
Jumbo 4.375 4.000 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
4.125 3.375 3.950 3.250 3.500 3.625
>$417K 4.500 4.000 4.375 ------ 3.750 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.950 3.250 3.750 3.125 2.990 3.250
APR 3.985 3.222 3.769 3.215 3.039 3.278
 
>$417K 4.050 3.375 4.000 3.250 3.375 3.625
APR 4.092 3.385 4.007 3.269 3.413 3.640
 
Jumbo 4.250 3.750 4.250 ------ 3.500 3.625
APR 4.258 3.798 4.272 ------ 3.538 3.656
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.125 3.500 3.625 3.875
APR 4.390 3.688 4.158 3.591 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
4.000 3.250 3.875 3.250 3.125 3.500
>$417K 4.375 4.000 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
4.125 3.375 3.875 3.250 3.375 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
3.950 3.250 3.750 3.125 2.990 3.125
APR 3.954 3.172 3.726 3.142 3.002 3.147
 
>$417K 4.250 3.875 4.250 ------ 3.500 3.625
APR 4.233 3.888 4.237 ------ 3.514 3.632
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.125 3.500 3.625 3.875
APR 4.361 3.639 4.121 3.517 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
4.125 3.250 3.875 3.250 3.375 3.625
>$417K 4.875 4.125 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
4.125 3.375 3.950 3.375 3.625 3.750
>$417K 4.875 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
3.950 3.250 3.750 3.125 2.990 3.125
APR 3.952 3.178 3.723 3.151 3.006 3.150
 
>$417K 4.250 3.875 4.250 ------ 3.500 3.625
APR 4.235 3.893 4.241 ------ 3.517 3.634
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.625 4.125 3.500 3.625 3.875
APR 4.282 3.646 4.112 3.527 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
4.125 3.375 3.950 3.250 3.500 3.625
>$417K 4.875 4.250 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
4.250 3.625 4.125 3.625 4.125 3.990
>$417K 4.875 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
3.875 3.125 3.750 3.000 2.990 3.250
APR 3.921 3.206 3.754 3.144 3.032 3.271
 
>$417K 4.250 3.875 4.250 ------ 3.500 3.625
APR 4.231 3.886 4.241 ------ 3.512 3.630
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.500 4.125 3.375 3.625 3.875
APR 4.287 3.582 4.143 3.520 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
4.250 3.500 4.125 3.375 4.125 4.125
>$417K 5.125 4.500 4.750 ------ 4.500 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.625 4.125 3.500 ------ 4.500
>$417K 5.125 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
3.875 3.125 3.750 3.000 2.990 3.250
APR 3.920 3.203 3.778 3.140 3.044 3.283
 
>$417K 4.250 3.875 4.250 ------ 3.500 3.625
APR 4.236 3.894 4.241 ------ 3.517 3.635
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.500 4.125 3.500 3.625 3.875
APR 4.296 3.598 4.167 3.562 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): 
    -     -     - 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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