奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 5月2日星期四

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SUMMARY：今天（5月2日星期四)开盘时的房贷利率价格和上个工作日相比基本持平

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 $636K, 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 3.625 4.000 3.625 3.750 3.875
>$484K 4.250 3.750 4.125 3.625 4.125 4.500
Jumbo 4.500 4.000 ------ ------ 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 3.750 4.250 3.750 4.000 4.000
>$484K 4.500 4.125 4.500 4.000 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.375 3.875 3.375 3.625 3.625
APR 4.009 3.428 3.931 3.425 3.654 3.665
 
>$484K 4.125 3.500 4.000 3.375 3.875 4.750
APR 4.163 3.571 4.046 3.438 3.919 4.777
 
Jumbo 4.250 3.750 ------ ------ 3.500 3.625
APR 4.288 3.780 ------ ------ 3.537 3.662
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
APR 4.531 4.072 4.447 4.077 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, High-Balance Loan $636K. 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 3.625 4.000 3.500 3.750 3.750
>$484K 4.500 4.000 ------ ------ 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 3.750 4.250 3.750 4.000 4.000
>$484K 4.875 4.500 ------ ------ 4.375 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.375 3.875 3.375 3.625 3.625
APR 3.982 3.379 3.893 3.355 3.627 3.638
 
>$484K 4.250 3.750 ------ ------ 3.500 3.625
APR 4.266 3.742 ------ ------ 3.516 3.641
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
APR 4.503 4.023 4.408 4.006 ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, High-Balance Loan $636K. 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 4.125 3.625 3.875 3.875
>$484K 4.625 4.250 ------ ------ 4.125 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.875 4.250 3.875 ------ 4.875
>$484K 5.000 ------ ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.875 3.375 3.625 3.625
APR 3.901 3.385 3.897 3.363 3.631 3.641
 
>$484K 4.250 3.750 ------ ------ 3.500 3.625
APR 4.269 3.746 ------ ------ 3.518 3.643
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
APR 4.495 4.029 4.412 4.015 ------ ------
 
******************************* 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 3.750 4.250 3.750 ------ ------
>$484K 5.000 4.500 ------ ------ ------ 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.750 4.250 4.500 4.250 ------ ------
>$484K 5.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.875 3.250 3.625 3.625
APR 3.911 3.350 3.911 3.368 3.660 3.671
 
>$484K 4.500 4.000 ------ ------ 3.875 4.000
APR 4.520 4.002 ------ ------ 3.883 4.011
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 4.000 4.375 3.875 ------ ------
APR 4.423 4.046 4.426 4.021 ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo Loan $562K. 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 3.500 4.000 3.375 3.750 3.750
>$484K 4.500 3.875 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.875 3.375 3.625 3.625
APR 3.893 3.371 3.886 3.343 3.623 3.633
 
>$484K 4.375 3.750 ------ ------ 3.625 3.750
APR 4.367 3.755 ------ ------ 3.628 3.753
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
APR 4.487 4.014 4.399 3.994 ------ ------
 
******************************* 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
4.375 4.000 4.375 3.875 ------ ------
>$484K 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.500 4.125 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.875 3.250 3.625 3.625
APR 3.920 3.418 3.923 3.391 3.659 3.669
 
>$484K 4.500 4.000 ------ ------ 3.875 4.000
APR 4.522 4.006 ------ ------ 3.886 4.014
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 4.000 4.375 4.000 ------ ------
APR 4.432 4.062 4.439 4.062 ------ ------
 
******************************* 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
4.375 3.875 4.250 3.875 ------ ------
>$484K 4.750 4.375 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
>$484K 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.875 3.250 3.625 3.625
APR 3.934 3.443 3.943 3.428 3.673 3.683
 
>$484K 4.250 3.750 ------ ------ 3.500 3.625
APR 4.278 3.763 ------ ------ 3.527 3.652
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 4.000 4.375 4.000 ------ ------
APR 4.447 4.088 4.459 4.100 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, High-Balance Loan $636K, 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
4.000 3.625 4.000 3.500 3.750 3.750
>$484K 4.500 4.000 ------ ------ 3.875 4.000
Jumbo 4.500 4.000 ------ ------ 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 3.750 4.250 3.750 4.000 4.000
>$484K 4.875 4.500 ------ ------ 4.375 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.375 3.875 3.375 3.625 3.625
APR 3.981 3.379 3.892 3.354 3.627 3.637
 
>$484K 4.250 3.750 ------ ------ 3.500 3.625
APR 4.266 3.741 ------ ------ 3.515 3.640
 
Jumbo 4.250 3.750 ------ ------ 3.500 3.625
APR 4.260 3.731 ------ ------ 3.510 3.635
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
APR 4.502 4.022 4.407 4.005 ------ ------
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):
- - - - - - 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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