奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 3月22日星期五

奇虎贷款

奇虎贷款
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奇虎贷款今日房贷利率（CA、FL、MD、TX、VA、GA、WA）
SUMMARY：今天（3月22日星期五）的房贷利率价格和昨天相比大幅变好！今天短期债券回报率超过长期债券的回报率，这意味着市场对经济前景的不看好，反应到了债券价格上。目前重新贷款40万左右的利率，30年固定降至4%， 15年固定降为3.5%。购房贷款40万左右，30年固定的利率为3.875%，15年固定为3.25%，5/1 ARM为3.625%。

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 $484K, High-Balance Loan $726K, Jumbo Loan $800K. 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
<=$484K 4.000 3.500 3.750 3.500 3.750 3.875
>$484K 4.125 3.625 ------ ------ 4.000 ------
Jumbo 4.750 4.375 ------ ------ 4.250 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.750 4.000 3.750 ------ ------
>$484K 4.250 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.979 3.361 3.862 3.361 3.736 3.808
 
>$484K 4.000 3.625 ------ ------ 3.875 ------
APR 4.049 3.712 ------ ------ 3.895 ------
 
Jumbo 4.500 3.750 ------ ------ 3.750 3.750
APR 4.517 3.798 ------ ------ 3.777 3.787
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.000 4.250 4.000 ------ ------
APR 4.467 4.160 4.361 4.230 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, High-Balance Loan $726K. 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
<=$484K 3.875 3.500 4.000 3.500 3.750 3.875
>$484K 4.125 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.750 3.875 3.750 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.924 3.364 3.782 3.416 3.668 3.783
 
>$484K 4.000 3.625 ------ ------ 3.750 3.875
APR 4.028 3.674 ------ ------ 3.778 3.950
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.000 ------ ------ ------ ------
APR 4.436 4.107 ------ ------ ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, High-Balance Loan $726K. 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
<=$484K 3.875 3.500 4.000 3.500 3.750 3.875
>$484K 4.125 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.750 3.875 3.750 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.924 3.364 3.782 3.416 3.668 3.783
 
>$484K 4.000 3.625 ------ ------ 3.750 3.875
APR 4.028 3.674 ------ ------ 3.778 3.950
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.000 ------ ------ ------ ------
APR 4.436 4.107 ------ ------ ------ ------
******************************* 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
<=$484K 4.125 3.750 3.875 3.750 ------ ------
>$484K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.000 4.125 ------ ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.750 3.375 3.875 3.875
APR 3.925 3.427 3.820 3.451 3.905 3.925
 
>$484K 4.250 ------ ------ ------ 4.250 ------
APR 4.239 ------ ------ ------ 4.263 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.375 4.125 ------ ------
APR 4.509 4.178 4.388 4.202 ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo 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
<=$484K 4.250 3.875 4.125 4.000 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.625 4.250 4.500 4.250 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.375 3.875 3.875
APR 3.987 3.443 3.886 3.474 3.903 3.924
 
>$484K 4.250 ------ ------ ------ 4.250 ------
APR 4.242 ------ ------ ------ 4.265 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.375 4.125 ------ ------
APR 4.519 4.194 4.400 4.225 ------ ------
 
******************************* GEORGIA *******************************
(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
<=$484K 4.000 3.750 3.875 3.750 ------ ------
>$484K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.875 4.000 3.875 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.375 3.875 3.875
APR 4.001 3.469 3.906 3.511 3.918 3.938
 
>$484K 4.500 3.750 ------ ------ 3.750 3.750
APR 4.501 3.770 ------ ------ 3.761 3.771
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.375 4.125 ------ ------
APR 4.534 4.221 4.421 4.263 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, High-Balance Loan $726K, Jumbo Loan $800K. 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
<=$484K 4.000 3.625 4.000 3.625 4.000 4.125
>$484K 4.750 4.375 ------ ------ 4.250 4.375
Jumbo 4.625 4.250 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.000 3.875 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.375 3.875 3.875
APR 3.979 3.411 3.861 3.428 3.875 3.896
 
>$484K 4.500 3.750 ------ ------ 3.750 3.750
APR 4.491 3.754 ------ ------ 3.752 3.762
 
Jumbo 4.500 3.750 ------ ------ 3.750 3.750
APR 4.486 3.745 ------ ------ 3.747 3.757
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.375 4.125 ------ ------
APR 4.511 4.162 4.375 4.178 ------ ------
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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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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