奇虎贷款利率-CA, TX, MD, VA,FL- 02月16日 星期四

SUMMARY：今天（02月16日 星期四)开盘时的房贷利率价格和上个工作日相比持平
。目前重新贷款40万左右的利率，30年固定利率上涨在4.125%，15年固定利率稳定至3.
250%，5/1 ARM稳定至3.250%。购房贷款40万左右，30年固定的利率下降至3.990%，
15年固定利率稳定在3.250%，5/1 ARM稳定在3.125%.

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 $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	3.250	3.875	3.250	3.250	3.500
>$417K	4.250	3.375	4.125	3.375	3.875	3.990
Jumbo	4.375	3.875	4.500	------	3.750	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.000	3.250	3.625	3.750
>$417K	4.500	3.875	4.500	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.875	3.125	3.125	3.250
APR	4.046	3.222	3.878	3.215	3.149	3.293
>$417K	4.125	3.250	4.000	3.250	3.500	3.625
APR	4.165	3.331	4.029	3.301	3.523	3.656
Jumbo	4.250	3.625	4.375	------	3.625	3.750
APR	4.250	3.676	4.398	------	3.646	3.767
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.125	3.500	3.750	3.875
APR	4.401	3.688	4.189	3.591	3.782	3.907
******************************* 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	3.250	3.875	3.250	3.250	3.500
>$417K	4.375	4.000	4.500	------	3.875	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.000	3.250	3.500	3.750
>$417K	4.500	4.125	4.500	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.750	3.125	2.990	3.250
APR	4.007	3.172	3.781	3.116	3.011	3.256
>$417K	4.250	3.750	4.375	------	3.625	3.750
APR	4.247	3.735	4.362	------	3.622	3.743
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.125	3.500	3.750	3.875
APR	4.371	3.637	4.149	3.517	3.753	3.878
******************************* 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	4.125	3.375	3.950	3.250	3.375	3.625
>$417K	4.500	4.250	4.625	------	4.000	4.000
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	3.375	3.625	3.875
>$417K	4.500	4.250	4.625	------	4.000	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.250	3.750	3.125	2.990	3.250
APR	4.011	3.178	3.778	3.126	3.015	3.259
>$417K	4.250	3.750	4.375	------	3.625	3.750
APR	4.249	3.740	4.366	------	3.625	3.745
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.125	3.500	3.750	3.875
APR	4.365	3.644	4.154	3.527	3.757	3.882
******************************* 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	4.125	3.375	4.000	3.250	3.625	3.875
>$417K	4.500	4.250	4.625	------	4.000	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.125	3.625	4.125	4.125
>$417K	4.500	4.375	4.625	------	4.000	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000	3.125	3.250
APR	3.932	3.206	3.809	3.144	3.141	3.286
>$417K	4.250	3.750	4.375	------	3.625	3.750
APR	4.247	3.736	4.366	------	3.621	3.741
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.375	3.750	3.875
APR	4.297	3.582	4.161	3.520	3.798	3.923
******************************* 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	4.250	3.500	4.125	3.375	------	4.250
>$417K	4.625	4.625	4.875	------	4.625	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.250	3.625	------	------
>$417K	4.750	4.625	4.875	------	4.625	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.125	3.875	3.125	3.125	3.250
APR	4.004	3.222	3.855	3.185	3.148	3.298
>$417K	4.250	3.750	4.375	------	3.625	3.750
APR	4.250	3.741	4.366	------	3.625	3.746
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	3.750	3.875
APR	4.306	3.598	4.173	3.562	3.798	3.924

 

 

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