奇虎贷款利率-CA, TX, MD, VA,FL- 03月23日星期四

SUMMARY：今天（03月23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年固定利率稳定在4.125%，15年固定利率稳定在3.
250%，5/1 ARM稳定在3.250%。购房贷款40万左右，30年固定的利率稳定在3.990%，
15年固定利率稳定在3.250%，5/1 ARM稳定在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	4.125	3.250	3.750	3.250	3.250	3.500
>$417K	4.250	3.375	4.000	3.250	3.750	3.875
Jumbo	4.250	3.875	4.375	------	3.625	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	3.875	3.375	3.375	3.625
>$417K	4.375	4.000	4.375	------	3.875	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.950	3.250	3.750	3.125	3.000	3.250
APR	4.003	3.240	3.749	3.202	3.035	3.294
>$417K	4.125	3.250	3.875	3.250	3.500	3.625
APR	4.157	3.312	3.932	3.250	3.541	3.668
Jumbo	4.125	3.625	4.250	------	3.500	3.625
APR	4.163	3.679	4.272	------	3.525	3.644
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	4.411	3.725	4.180	3.644	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	3.750	3.250	3.125	3.375
>$417K	4.375	4.000	4.375	------	3.625	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	3.875	3.375	3.375	3.625
>$417K	4.375	4.000	4.375	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.950	3.250	3.625	3.000	3.000	3.250
APR	3.972	3.190	3.657	3.064	3.003	3.262
>$417K	4.250	3.750	4.250	------	3.500	3.625
APR	4.232	3.741	4.237	------	3.501	3.620
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	4.385	3.674	4.137	3.570	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	3.875	3.250	3.250	3.625
>$417K	4.500	4.125	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	4.250	3.500	3.950	3.375	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	3.950	3.250	3.625	3.000	3.000	3.250
APR	3.970	3.196	3.653	3.073	3.007	3.265
>$417K	4.250	3.750	4.250	------	3.500	3.625
APR	4.234	3.745	4.241	------	3.503	3.623
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	4.375	3.680	4.133	3.580	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	3.950	3.375	3.375	3.625
>$417K	4.500	4.250	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	4.250	3.750	4.125	3.625	4.875	4.375
>$417K	4.500	4.250	4.500	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.950	3.250	3.625	3.000	2.875	3.250
APR	3.992	3.205	3.684	3.095	2.914	3.273
>$417K	4.250	3.750	4.250	------	3.500	3.625
APR	4.230	3.742	4.241	------	3.499	3.619
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.625	4.125	3.500	3.750	3.875
APR	4.297	3.689	4.165	3.592	3.784	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	3.625	4.125	3.500	4.875	4.250
>$417K	4.625	4.500	4.750	------	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	3.750	4.250	3.625	------	4.875
>$417K	4.750	4.500	4.750	------	4.250	4.250
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	3.000	3.250
APR	4.004	3.220	3.758	3.156	3.034	3.293
>$417K	4.250	3.750	4.250	------	3.500	3.625
APR	4.235	3.746	4.241	------	3.504	3.623
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.625	4.125	3.500	3.750	3.875
APR	4.306	3.705	4.189	3.615	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