奇虎贷款利率-CA, TX, MD, VA,FL- 12月22日星期四

SUMMARY：今天（12月22日 星期四)开盘时的房贷利率价格和上个工作日相比趋于稍差
。目前重新贷款40万左右的利率，30年固定利率稳定在4.25%，15年固定利率稳定至
3.375%，5/1 ARM上升至3.625%。购房贷款40万左右，30年固定的利率稳定在4.125%，
15年固定利率稳定在3.250%，5/1 ARM上升至3.250%.

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。

(Based on Conforming Loan $380K, High-Balance Loan $550K, 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
<=$417K	4.125	3.375	3.875	3.250	3.625	3.750
>$417K	4.375	3.625	4.250	3.625	3.875	4.000
Jumbo	4.375	4.000	------	------	3.625	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	3.875	4.125
>$417K	4.500	------	4.625	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	3.875	3.250	3.250	3.500
APR	4.125	3.294	3.861	3.199	3.299	3.531
>$417K	4.375	3.500	4.125	3.500	3.375	3.750
APR	4.381	3.551	4.135	3.554	3.418	3.792
Jumbo	4.250	3.750	------	------	3.500	3.625
APR	4.283	3.801	------	------	3.523	3.667
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.250	3.750	4.375	4.625
APR	4.505	3.832	4.294	3.868	4.430	4.665
******************************* MARYLAND ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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
<=$417K	4.125	3.375	3.875	3.250	3.500	3.625
>$417K	4.500	4.125	------	------	3.750	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.000	3.375	3.875	4.000
>$417K	4.500	4.250	------	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	3.875	3.250	3.250	3.500
APR	4.097	3.244	3.822	3.126	3.266	3.503
>$417K	4.375	3.875	------	------	3.500	3.750
APR	4.363	3.887	------	------	3.499	3.743
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.250	3.750	4.375	4.500
APR	4.475	3.780	4.254	3.794	4.395	4.523
******************************* VIRGINIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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
<=$417K	4.250	3.500	4.000	3.375	3.750	3.875
>$417K	4.625	4.375	------	------	3.875	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.125	3.500	4.125	4.250
>$417K	4.625	------	------	------	4.000	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.875	3.250	3.250	3.500
APR	4.031	3.250	3.827	3.136	3.270	3.506
>$417K	4.375	3.875	------	------	3.500	3.750
APR	4.366	3.891	------	------	3.501	3.746
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.250	3.750	4.375	4.500
APR	4.407	3.787	4.259	3.804	4.399	4.527
******************************* 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
<=$417K	4.250	3.500	4.125	3.500	3.875	4.125
>$417K	4.625	4.375	------	------	3.875	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.875	4.250	3.625	------	------
>$417K	4.625	------	------	------	4.000	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.875	3.250	3.250	3.500
APR	4.036	3.259	3.860	3.197	3.278	3.527
>$417K	4.375	3.875	------	------	3.500	3.750
APR	4.364	3.888	------	------	3.497	3.742
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.625	4.375	4.500
APR	4.412	3.726	4.293	3.771	4.408	4.536
******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, High-Balance 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
<=$417K	4.375	3.625	4.125	3.625	------	------
>$417K	4.750	------	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.875	4.250	3.875	------	------
>$417K	4.875	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.750	3.125	3.250	3.500
APR	4.037	3.274	3.816	3.220	3.297	3.526
>$417K	4.375	3.875	------	------	3.500	3.750
APR	4.366	3.892	------	------	3.502	3.746
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.250	3.750	4.375	4.625
APR	4.421	3.811	4.259	3.846	4.428	4.663

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.

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