奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 6月28日星期五

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SUMMARY：今天（6月28日星期五)开盘时的房贷利率价格和上个工作日略有下降。 

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
<=$484K 3.750 3.125 3.625 3.125 3.500 3.625
>$484K 3.875 3.125 3.750 3.125 3.875 4.500
Jumbo 4.250 3.750 ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.875 3.250 3.750 3.875
>$484K 4.375 3.750 4.250 3.750 ------ 5.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.375 3.000 3.375 3.500
APR 3.644 3.070 3.427 3.076 3.404 3.519
 
>$484K 3.750 3.125 3.625 3.125 3.625 4.375
APR 3.786 3.119 3.645 3.126 3.668 4.398
 
Jumbo 4.000 3.500 ------ ------ 3.625 3.750
APR 4.017 3.566 ------ ------ 3.662 3.787
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.000 3.500 ------ ------
APR 4.291 3.696 4.071 3.630 ------ ------
 
******************************* 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
<=$484K 3.750 3.125 3.625 3.125 3.500 3.625
>$484K 4.250 3.750 ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.875 3.250 3.750 3.750
>$484K 4.875 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.375 3.000 3.375 3.500
APR 3.617 3.022 3.390 3.006 3.377 3.492
 
>$484K 4.000 3.500 ------ ------ 3.625 3.750
APR 3.995 3.528 ------ ------ 3.641 3.766
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.000 3.500 ------ ------
APR 4.263 3.648 4.032 3.559 ------ ------
 
******************************* 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
<=$484K 3.750 3.250 3.750 3.125 3.625 3.750
>$484K 4.375 4.000 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.875 3.375 4.750 4.625
>$484K 5.000 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.375 3.000 3.375 3.500
APR 3.610 3.028 3.394 3.014 3.381 3.495
 
>$484K 4.000 3.500 ------ ------ 3.625 3.750
APR 3.998 3.532 ------ ------ 3.643 3.768
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.000 3.500 ------ ------
APR 4.152 3.653 4.037 3.567 ------ ------
 
******************************* 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 3.875 3.375 3.875 3.250 ------ 4.750
>$484K 4.875 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.875 4.125 4.375 4.000 ------ ------
>$484K 5.000 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.500 3.000 3.375 3.500
APR 3.545 3.045 3.549 3.039 3.410 3.525
 
>$484K 4.375 3.750 ------ ------ 4.000 4.125
APR 4.377 3.770 ------ ------ 4.004 4.143
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.500 ------ ------
APR 4.047 3.582 4.050 3.592 ------ ------
 
******************************* 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
<=$484K 3.625 3.125 3.625 3.125 3.500 3.500
>$484K 4.250 3.750 ------ ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.375 3.000 3.375 3.500
APR 3.602 3.014 3.375 2.994 3.373 3.488
 
>$484K 4.000 3.625 ------ ------ 3.750 3.875
APR 4.003 3.611 ------ ------ 3.763 3.867
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.000 3.500 ------ ------
APR 4.143 3.639 4.025 3.547 ------ ------
 
******************************* 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 4.000 3.500 4.000 3.500 ------ ------
>$484K 5.250 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.875 4.250 3.750 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.500 3.000 3.375 3.500
APR 3.554 3.060 3.561 3.061 3.408 3.524
 
>$484K 4.375 3.750 ------ ------ 4.000 4.125
APR 4.380 3.775 ------ ------ 4.006 4.145
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.500 ------ ------
APR 4.056 3.598 4.063 3.615 ------ ------
 
******************************* 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 3.875 3.375 3.875 3.375 ------ ------
>$484K 4.500 4.250 ------ ------ 4.250 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.000 3.500 ------ ------
>$484K 5.125 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.000 3.500 3.000 3.375 3.500
APR 3.568 3.085 3.581 3.098 3.423 3.538
 
>$484K 4.000 3.500 ------ ------ 3.625 3.750
APR 4.007 3.549 ------ ------ 3.652 3.778
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.500 4.000 3.500 ------ ------
APR 4.070 3.623 4.083 3.652 ------ ------
 
******************************* 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
<=$484K 3.750 3.125 3.625 3.125 3.500 3.625
>$484K 4.250 3.750 ------ ------ 4.000 4.125
Jumbo 4.250 3.750 ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.875 3.250 3.750 3.750
>$484K 4.875 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.000 3.375 3.000 3.375 3.500
APR 3.617 3.021 3.389 3.005 3.377 3.492
 
>$484K 4.000 3.500 ------ ------ 3.625 3.750
APR 3.995 3.528 ------ ------ 3.640 3.766
 
Jumbo 4.000 3.500 ------ ------ 3.625 3.750
APR 3.990 3.518 ------ ------ 3.635 3.760
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.000 3.500 ------ ------
APR 4.263 3.647 4.032 3.558 ------ ------
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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