奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 7月15日星期一

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奇虎贷款
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SUMMARY：今天（7月15日星期一)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 $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
3.750 3.250 3.750 3.250 3.625 3.625
>$484K 3.875 3.125 3.750 3.250 4.000 4.625
Jumbo 4.250 3.875 ------ ------ 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 3.375 3.875 3.375 3.875 3.875
>$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 3.125 3.625 3.000 3.375 3.500
APR 3.749 3.159 3.658 3.128 3.414 3.519
 
>$484K 3.750 3.125 3.625 3.000 3.750 4.125
APR 3.789 3.144 3.681 3.112 3.793 4.156
 
Jumbo 4.000 3.750 ------ ------ 3.875 3.875
APR 4.031 3.816 ------ ------ 3.891 3.912
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.250 3.750 ------ ------
APR 4.302 3.803 4.292 3.800 ------ ------
 
******************************* 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
3.750 3.250 3.750 3.125 3.500 3.625
>$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
3.875 3.375 3.875 3.250 3.875 3.875
>$484K 4.500 4.250 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.375 3.500
APR 3.722 3.111 3.621 3.059 3.387 3.492
 
>$484K 4.000 3.750 ------ ------ 3.875 3.875
APR 4.009 3.778 ------ ------ 3.870 3.891
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.250 3.750 ------ ------
APR 4.274 3.754 4.253 3.730 ------ ------
 
******************************* 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
3.875 3.250 3.750 3.250 3.750 3.750
>$484K 4.500 4.125 ------ ------ 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 4.000 3.500 ------ ------
>$484K 4.875 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.375 3.500
APR 3.715 3.117 3.625 3.067 3.391 3.495
 
>$484K 4.000 3.750 ------ ------ 3.875 3.875
APR 4.012 3.782 ------ ------ 3.872 3.893
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.250 3.750 ------ ------
APR 4.266 3.760 4.258 3.738 ------ ------
 
******************************* 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
3.875 3.375 3.875 3.375 ------ ------
>$484K 4.750 4.250 ------ ------ ------ ------
 
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 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.625 3.000 3.375 3.500
APR 3.671 3.081 3.674 3.091 3.420 3.525
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.137 3.867 ------ ------ 3.895 4.261
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 ------ ------
APR 4.182 3.726 4.079 3.744 ------ ------
 
******************************* 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
3.750 3.125 3.625 3.125 3.500 3.500
>$484K 4.250 4.000 ------ ------ 4.125 4.125
 
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
3.750 3.125 3.625 3.000 3.375 3.500
APR 3.707 3.103 3.618 3.046 3.383 3.488
 
>$484K 4.125 3.875 ------ ------ 3.875 4.000
APR 4.128 3.861 ------ ------ 3.888 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.250 3.750 ------ ------
APR 4.258 3.746 4.247 3.717 ------ ------
 
******************************* 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
4.125 3.625 4.000 3.625 ------ ------
>$484K 5.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.875 4.375 3.750 ------ ------
>$484K 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.625 3.000 3.375 3.500
APR 3.679 3.096 3.687 3.114 3.418 3.524
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.139 3.872 ------ ------ 3.897 4.264
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.125 3.625 ------ ------
APR 4.285 3.793 4.202 3.767 ------ ------
 
******************************* 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
4.000 3.500 4.000 3.500 ------ ------
>$484K 4.625 4.375 ------ ------ 4.375 ------
 
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 ------ ------
>$484K 4.875 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.625 3.000 3.375 3.500
APR 3.694 3.122 3.707 3.151 3.433 3.538
 
>$484K 4.000 3.750 ------ ------ 3.875 3.875
APR 4.028 3.800 ------ ------ 3.892 3.903
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.125 3.625 ------ ------
APR 4.300 3.819 4.223 3.804 ------ ------
 
******************************* 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
3.750 3.250 3.750 3.125 3.500 3.625
>$484K 4.375 4.000 ------ ------ 4.000 4.250
Jumbo 4.250 3.875 ------ ------ 4.000 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.875 3.250 3.875 3.875
>$484K 4.500 4.250 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.375 3.500
APR 3.721 3.111 3.620 3.058 3.387 3.492
 
>$484K 4.000 3.750 ------ ------ 3.875 3.875
APR 4.009 3.777 ------ ------ 3.870 3.891
 
Jumbo 4.000 3.750 ------ ------ 3.875 3.875
APR 4.003 3.767 ------ ------ 3.864 3.885
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.250 3.750 ------ ------
APR 4.273 3.754 4.253 3.729 ------ ------
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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