奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 7月12日星期五

奇虎贷款

奇虎贷款
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SUMMARY：今天（7月12日星期五)开盘时的房贷利率价格和上个工作日基本持平。

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 $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 3.750 3.250 4.375 4.250
>$484K 3.875 3.250 3.875 3.250 ------ ------
Jumbo 4.375 4.000 ------ ------ 4.000 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 ------ 4.625
>$484K 4.500 3.750 4.125 3.750 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.625 3.250 4.125 4.000
APR 3.799 3.308 3.673 3.254 4.169 4.039
 
>$484K 3.750 3.125 3.750 3.125 4.625 4.125
APR 3.792 3.170 3.723 3.205 4.670 4.161
 
Jumbo 4.125 3.875 ------ ------ 3.875 4.250
APR 4.143 3.889 ------ ------ 3.893 4.269
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.250 3.750 ------ ------
APR 4.670 4.058 4.316 3.880 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 3.750 3.250 4.375 4.250
>$484K 4.375 4.125 ------ ------ 4.000 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 ------ 4.625
>$484K 4.625 4.250 ------ ------ 4.500 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.625 3.250 4.125 4.000
APR 3.772 3.260 3.636 3.184 4.141 4.012
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.121 3.851 ------ ------ 3.871 4.247
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.250 3.750 ------ ------
APR 4.641 4.009 4.278 3.810 ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 3.500 3.875 3.500 4.625 4.500
>$484K 4.500 4.250 ------ ------ ------ ------
 
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 3.625 ------ ------
>$484K 4.875 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.625 3.250 4.125 4.000
APR 3.775 3.266 3.640 3.193 4.145 4.015
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.123 3.855 ------ ------ 3.874 4.250
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.250 3.750 ------ ------
APR 4.644 4.015 4.282 3.818 ------ ------
 
******************************* 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
4.625 3.875 4.125 3.750 ------ ------
>$484K 4.750 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.250 3.875 ------ ------
>$484K 4.875 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.500 3.750 3.250 4.375 4.250
APR 4.023 3.536 3.785 3.359 4.425 4.297
 
>$484K 4.125 3.875 ------ ------ 4.000 4.375
APR 4.146 3.894 ------ ------ 3.986 4.374
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.875 4.125 4.500 4.125 ------ ------
APR 4.920 4.181 4.569 4.210 ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, 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
3.875 3.375 3.750 3.250 4.250 4.125
>$484K 4.500 4.250 ------ ------ 4.375 ------
 
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 3.250 3.625 3.250 4.125 4.000
APR 3.863 3.263 3.635 3.189 4.131 4.003
 
>$484K 4.375 4.000 ------ ------ 4.000 4.375
APR 4.368 4.010 ------ ------ 4.000 4.389
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.250 3.875 ------ ------
APR 4.640 4.013 4.277 3.904 ------ ------
 
******************************* 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
4.875 4.125 4.500 4.000 ------ ------
>$484K 5.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
------ 4.250 4.625 4.250 ------ ------
>$484K 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.500 3.750 3.250 4.375 4.250
APR 4.030 3.547 3.794 3.375 4.432 4.303
 
>$484K 4.125 3.875 ------ ------ 4.000 4.375
APR 4.149 3.899 ------ ------ 3.988 4.377
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.875 4.125 4.500 4.125 ------ ------
APR 4.927 4.193 4.578 4.227 ------ ------
 
******************************* 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
4.625 4.000 4.250 3.750 ------ ------
>$484K 4.875 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.875 4.125 4.625 4.125 ------ ------
>$484K 5.000 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.500 3.750 3.250 4.375 4.250
APR 4.045 3.573 3.814 3.413 4.447 4.318
 
>$484K 4.125 3.875 ------ ------ 4.000 4.375
APR 4.154 3.909 ------ ------ 3.994 4.383
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.875 4.125 4.500 4.125 ------ ------
APR 4.942 4.219 4.599 4.265 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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
3.875 3.250 3.750 3.250 3.625 3.625
>$484K 4.375 4.125 ------ ------ 4.000 4.250
Jumbo 4.375 4.000 ------ ------ 4.000 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.500 3.875 3.375 3.875 3.875
>$484K 4.625 4.250 ------ ------ 4.500 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.125 3.375 3.500
APR 3.742 3.129 3.635 3.104 3.397 3.502
 
>$484K 4.125 3.875 ------ ------ 3.875 4.000
APR 4.121 3.850 ------ ------ 3.871 4.005
 
Jumbo 4.125 3.875 ------ ------ 3.875 4.000
APR 4.115 3.840 ------ ------ 3.865 4.000
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.750 4.250 3.750 ------ ------
APR 4.377 3.772 4.277 3.755 ------ ------
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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