奇虎贷款利率 - CA, TX, MD, VA, FL, GA, WA - 7月25日星期四

奇虎贷款

奇虎贷款
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SUMMARY：今天（7月25日星期四)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 3.125 3.500 3.125 3.500 3.625
>$484K 3.750 3.125 3.500 3.125 3.875 4.500
Jumbo 4.125 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 3.750 3.250 3.875 3.875
>$484K 4.375 3.875 4.000 3.500 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.375 3.000 3.375 3.375
APR 3.665 3.088 3.435 3.102 3.404 3.414
 
>$484K 3.750 3.000 3.500 3.000 3.750 4.250
APR 3.747 3.066 3.516 3.066 3.783 4.289
 
Jumbo 4.000 3.625 ------ ------ 3.875 3.875
APR 4.003 3.692 ------ ------ 3.892 3.912
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.625 ------ ------
APR 4.280 3.785 4.071 3.755 ------ ------
 
******************************* 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 3.125 3.500 3.125 3.500 3.500
>$484K 4.125 3.875 ------ ------ 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 3.250 3.750 3.250 3.750 3.750
>$484K 4.500 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.375 3.000 3.375 3.375
APR 3.638 3.040 3.397 3.032 3.377 3.387
 
>$484K 4.000 3.625 ------ ------ 3.875 3.875
APR 3.982 3.653 ------ ------ 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 4.000 3.625 ------ ------
APR 4.253 3.736 4.032 3.684 ------ ------
 
******************************* 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
3.750 3.250 3.750 3.250 3.625 3.750
>$484K 4.375 4.000 ------ ------ 4.250 4.500
 
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 3.375 ------ 4.500
>$484K 4.750 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.375 3.000 3.375 3.375
APR 3.631 3.046 3.402 3.041 3.381 3.391
 
>$484K 4.000 3.625 ------ ------ 3.875 3.875
APR 3.984 3.657 ------ ------ 3.873 3.893
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.750 4.000 3.625 ------ ------
APR 4.152 3.742 4.037 3.693 ------ ------
 
******************************* 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 3.750 3.250 ------ ------
>$484K 4.625 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.125 3.750 ------ ------
>$484K 4.875 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.500 3.000 3.375 3.375
APR 3.640 3.063 3.563 3.065 3.410 3.420
 
>$484K 4.000 3.750 ------ ------ 3.875 4.125
APR 4.006 3.763 ------ ------ 3.895 4.144
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 4.000 3.500 ------ ------
APR 4.047 3.707 4.050 3.645 ------ ------
 
******************************* 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 3.500 3.125 3.500 3.500
>$484K 4.125 3.875 ------ ------ 4.125 4.250
 
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
3.625 3.000 3.375 3.000 3.375 3.375
APR 3.623 3.032 3.394 3.020 3.373 3.383
 
>$484K 4.000 3.750 ------ ------ 3.875 4.000
APR 3.992 3.736 ------ ------ 3.878 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.750 4.000 3.625 ------ ------
APR 4.143 3.727 4.025 3.672 ------ ------
 
******************************* 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
4.000 3.625 4.000 3.500 ------ ------
>$484K 5.000 4.500 ------ ------ ------ ------
 
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 5.125 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.500 3.000 3.375 3.375
APR 3.649 3.078 3.572 3.088 3.408 3.418
 
>$484K 4.000 3.750 ------ ------ 3.875 4.125
APR 4.009 3.768 ------ ------ 3.898 4.147
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 4.000 3.625 ------ ------
APR 4.056 3.723 4.063 3.740 ------ ------
 
******************************* 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
3.875 3.375 3.875 3.375 ------ ------
>$484K 4.500 4.250 ------ ------ 4.250 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.750 4.000 3.625 ------ ------
>$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 3.500 3.000 3.375 3.375
APR 3.663 3.104 3.592 3.124 3.423 3.433
 
>$484K 4.000 3.625 ------ ------ 3.875 3.875
APR 3.997 3.674 ------ ------ 3.882 3.903
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 4.000 3.625 ------ ------
APR 4.070 3.749 4.083 3.778 ------ ------
 
******************************* 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 3.125 3.500 3.125 3.500 3.500
>$484K 4.125 3.875 ------ ------ 4.125 4.250
Jumbo 4.125 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 3.250 3.750 3.250 3.750 3.750
>$484K 4.500 4.000 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.000 3.375 3.000 3.375 3.375
APR 3.637 3.039 3.397 3.031 3.377 3.387
 
>$484K 4.000 3.625 ------ ------ 3.875 3.875
APR 3.981 3.653 ------ ------ 3.870 3.891
 
Jumbo 4.000 3.625 ------ ------ 3.875 3.875
APR 3.976 3.643 ------ ------ 3.865 3.885
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.625 ------ ------
APR 4.252 3.735 4.032 3.683 ------ ------
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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