奇虎贷款利率-CA, TX, MD, VA,FL- 02月06日星期一

SUMMARY：今天（02月06日 星期一)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年固定利率稳定在4.000%，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年固定的利率稳定至3.990%，
15年固定利率稳定在3.125%，5/1 ARM稳定至3.000%.

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	4.000	3.250	3.875	3.250	3.250	3.500
>$417K	4.250	3.375	4.000	3.375	3.750	3.875
Jumbo	4.250	3.750	------	------	3.500	3.750
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	4.375	3.875	4.500	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.990	3.125	3.750	3.000	3.000	3.250
APR	4.029	3.223	3.828	3.143	3.043	3.287
>$417K	4.125	3.250	4.000	3.250	3.500	3.625
APR	4.152	3.313	4.012	3.282	3.530	3.653
Jumbo	4.125	3.625	------	------	3.375	3.625
APR	4.140	3.646	------	------	3.401	3.641
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	3.875	3.990
APR	4.307	3.599	4.160	3.564	3.912	4.017
******************************* 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	4.000	3.250	3.875	3.250	3.125	3.500
>$417K	4.250	3.875	------	------	3.625	3.750
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	3.375	3.625
>$417K	4.375	4.000	------	------	3.625	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.950	3.125	3.750	3.000	2.990	3.250
APR	3.970	3.173	3.788	3.070	3.018	3.249
>$417K	4.125	3.625	------	------	3.375	3.625
APR	4.136	3.640	------	------	3.377	3.617
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	4.278	3.548	4.120	3.491	3.774	3.901
******************************* 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	3.250	4.000	3.250	3.375	3.625
>$417K	4.375	4.000	------	------	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	3.375	3.625	3.750
>$417K	4.500	4.250	------	------	3.875	4.000
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	2.990	3.250
APR	3.906	3.180	3.793	3.079	3.022	3.253
>$417K	4.125	3.625	------	------	3.375	3.625
APR	4.139	3.644	------	------	3.379	3.619
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	3.875	3.875
APR	4.271	3.555	4.125	3.501	3.882	3.905
******************************* 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	3.375	3.750
>$417K	4.375	4.000	------	------	3.750	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.125	3.625	------	3.990
>$417K	4.500	4.250	------	------	3.875	4.000
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	3.000	3.250
APR	3.911	3.188	3.800	3.091	3.023	3.280
>$417K	4.125	3.625	------	------	3.375	3.625
APR	4.137	3.641	------	------	3.375	3.615
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	3.990
APR	4.276	3.564	4.132	3.493	3.789	4.010
******************************* 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	------	3.990
>$417K	4.500	------	------	------	4.125	4.125
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	------	------
>$417K	4.625	------	------	------	------	4.250
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	3.000	3.250
APR	3.920	3.203	3.801	3.114	3.042	3.292
>$417K	4.125	3.625	------	------	3.375	3.625
APR	4.139	3.645	------	------	3.380	3.620
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	3.875	3.990
APR	4.285	3.579	4.144	3.516	3.910	4.022

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