奇虎贷款利率-CA, TX, MD, VA,FL- 06月23日星期五

SUMMARY：今天（06月23日 星期五)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3.875%，15年固定利率稳定在3.
25%，5/1 ARM稳定在3.375%。购房贷款40万左右，30年固定的利率稳定在3.750%，
15年固定利率稳定在3.000%，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	3.875	3.250	3.625	3.000	3.375	3.500
>$417K	3.990	3.250	3.875	3.250	3.625	3.625
Jumbo	4.000	3.500	4.250	------	3.375	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.950	3.250	3.750	3.250	3.625	3.750
>$417K	4.125	3.750	4.250	------	3.625	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.990	3.500	2.750	3.125	3.250
APR	3.787	3.053	3.532	2.884	3.170	3.286
>$417K	3.800	3.125	3.750	3.125	3.375	3.375
APR	3.839	3.178	3.759	3.220	3.410	3.413
Jumbo	3.875	3.375	4.125	------	3.250	3.250
APR	3.873	3.386	4.151	------	3.271	3.287
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.200	3.500	3.875	3.500	3.500	3.625
APR	4.242	3.574	3.955	3.611	3.537	3.662
******************************* 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	3.875	3.125	3.625	3.000	3.375	3.500
>$417K	4.000	3.625	4.250	------	3.500	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.950	3.250	3.750	3.250	3.625	3.625
>$417K	4.000	3.625	4.250	------	3.500	3.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.990	3.500	2.750	3.125	3.125
APR	3.749	2.985	3.490	2.811	3.133	3.155
>$417K	3.875	3.375	4.125	------	3.250	3.375
APR	3.867	3.379	4.117	------	3.266	3.366
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.875	3.500	3.500	3.625
APR	4.153	3.505	3.904	3.538	3.509	3.634
******************************* 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	3.875	3.250	3.625	3.125	3.500	3.625
>$417K	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	4.000	3.375	3.750	3.250	3.750	3.875
>$417K	4.125	3.875	4.375	------	3.625	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.990	3.500	2.750	3.125	3.125
APR	3.753	2.992	3.487	2.795	3.137	3.159
>$417K	3.875	3.375	4.125	------	3.250	3.375
APR	3.870	3.384	4.121	------	3.269	3.368
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.500	3.375	3.500	3.625
APR	4.155	3.512	3.487	3.446	3.512	3.637
******************************* 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	4.000	3.375	3.875	3.250	3.625	3.875
>$417K	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	3.500	3.950	3.625	------	4.125
>$417K	4.125	3.875	4.375	------	3.625	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.990	3.500	2.875	3.125	3.250
APR	3.781	3.055	3.524	2.958	3.156	3.288
>$417K	3.875	3.375	4.125	------	3.250	3.375
APR	3.866	3.381	4.122	------	3.265	3.364
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.875	3.500	3.500	3.625
APR	4.183	3.577	3.947	3.623	3.557	3.683
******************************* 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	4.125	3.625	3.950	3.500	------	4.125
>$417K	4.250	4.000	4.750	------	3.875	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.750	4.125	3.750	------	4.500
>$417K	4.375	4.375	4.750	------	3.875	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.990	3.500	2.875	3.125	3.250
APR	3.782	3.066	3.545	2.975	3.175	3.293
>$417K	3.875	3.375	4.125	------	3.250	3.375
APR	3.871	3.385	4.122	------	3.269	3.369
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.500	3.500	3.625
APR	4.182	3.587	4.004	3.639	3.558	3.683

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