奇虎贷款利率-CA, TX, MD, VA,FL- 04月05日星期三

SUMMARY：今天（04月05日 星期三)开盘时的房贷利率价格和上个工作日相比略微下降
。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年固定利率稳定在3.
250%，5/1 ARM降低至3.125%。购房贷款40万左右，30年固定的利率下降至3.875%，
15年固定利率降低至3.125%，5/1 ARM降低至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	3.750	3.250	3.125	3.375
>$417K	4.125	3.375	4.000	3.250	3.750	3.750
Jumbo	4.125	3.750	4.375	------	3.625	3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	3.875	3.250	3.375	3.625
>$417K	4.375	3.875	4.375	------	3.875	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	3.000	2.875	3.250
APR	3.931	3.223	3.660	3.132	2.927	3.274
>$417K	4.050	3.250	3.875	3.250	3.375	3.625
APR	4.076	3.284	3.904	3.224	3.421	3.651
Jumbo	4.125	3.500	4.250	------	3.500	3.500
APR	4.117	3.560	4.272	------	3.514	3.531
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	3.625	3.500	3.750	3.875
APR	4.286	3.599	3.648	3.564	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	4.000	3.250	3.750	3.125	3.125	3.375
>$417K	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	4.125	3.375	3.875	3.250	3.375	3.625
>$417K	4.250	4.000	4.375	------	3.625	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	3.000	2.875	3.250
APR	3.902	3.167	3.617	3.046	2.895	3.247
>$417K	4.125	3.625	4.250	------	3.500	3.500
APR	4.113	3.618	4.237	------	3.490	3.507
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.000	3.500	3.750	3.875
APR	4.257	3.548	4.028	3.491	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	4.000	3.250	3.750	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	3.875	3.375	3.500	3.750
>$417K	4.375	4.125	4.500	------	3.875	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	3.000	2.875	3.250
APR	3.896	3.174	3.614	3.056	2.899	3.250
>$417K	4.125	3.625	4.250	------	3.500	3.500
APR	4.115	3.623	4.241	------	3.493	3.509
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.000	3.500	3.750	3.875
APR	4.250	3.555	4.025	3.501	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	3.875	3.250	3.375	3.625
>$417K	4.375	4.000	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	4.250	3.625	3.950	3.625	4.875	4.375
>$417K	4.375	4.125	4.500	------	3.875	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	3.000	2.875	3.250
APR	3.901	3.188	3.645	3.077	2.907	3.267
>$417K	4.125	3.625	4.250	------	3.500	3.500
APR	4.113	3.619	4.241	------	3.489	3.505
INVESTMENT PROPERTY - PURCHASE:
	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
APR	4.255	3.564	4.056	3.493	3.787	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	4.000	3.375	4.875	4.375
>$417K	4.500	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	4.250	3.625	4.125	3.500	------	------
>$417K	4.625	4.500	4.750	------	4.125	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	3.000	2.875	3.250
APR	3.909	3.203	3.668	3.114	2.926	3.273
>$417K	4.125	3.625	4.250	------	3.500	3.500
APR	4.116	3.623	4.241	------	3.493	3.510
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	4.264	3.579	4.130	3.516	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