奇虎贷款利率-CA, TX, MD, VA,FL- 07月20日星期四

SUMMARY：今天（07月20日 星期四)开盘时的房贷利率价格和上个工作日相比下降。目
前重新贷款40万左右的利率，30年固定利率下降至3.875%，15年固定利率下降至3.
215%，5/1 ARM稳定在3.250%。购房贷款40万左右，30年固定的利率下降至3.75%，
15年固定利率稳定在3.000%，5/1 ARM下降至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	3.875	3.125	3.625	3.000	3.250	3.375
>$417K	3.990	3.250	3.875	3.250	3.500	3.500
Jumbo	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	4.000	3.250	3.750	3.250	3.500	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	2.875	3.000	3.250
APR	3.795	3.072	3.546	2.965	3.048	3.284
>$417K	3.800	3.125	3.750	3.000	3.125	3.250
APR	3.849	3.176	3.769	3.117	3.165	3.284
Jumbo	3.875	3.375	4.125	------	3.375	3.375
APR	3.905	3.436	4.151	------	3.388	3.390
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	3.750
APR	4.171	3.585	4.026	3.591	3.537	3.787
******************************* 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	3.250	3.375
>$417K	4.000	3.750	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	4.000	3.250	3.750	3.250	3.375	3.750
>$417K	4.000	3.750	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	2.875	3.000	3.250
APR	3.765	3.004	3.506	2.892	3.016	3.256
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.881	3.499	4.117	------	3.365	3.366
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.500	3.500	3.750
APR	4.142	3.515	3.983	3.517	3.509	3.759
******************************* 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	3.750	3.125	3.375	3.625
>$417K	4.250	3.875	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	3.875	3.250	3.625	3.875
>$417K	4.250	4.000	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	3.000	3.250
APR	3.760	3.011	3.497	2.828	3.020	3.260
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.883	3.503	4.121	------	3.368	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	3.750
APR	4.136	3.522	3.980	3.527	3.512	3.763
******************************* 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	3.250	3.875	3.250	3.500	3.875
>$417K	4.250	3.875	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	4.250	3.500	3.950	3.625	------	4.250
>$417K	4.250	4.000	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	2.875	3.500	2.875	3.000	3.250
APR	3.765	2.973	3.552	2.914	3.030	3.285
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.879	3.500	4.122	------	3.364	3.365
INVESTMENT PROPERTY - PURCHASE:
	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
APR	4.140	3.475	3.954	3.493	3.557	3.808
******************************* 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	3.375	3.875	3.375	4.125	4.125
>$417K	4.375	4.375	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	3.625	4.000	3.625	------	------
>$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	3.000	3.250
APR	3.774	3.085	3.561	2.936	3.049	3.283
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.884	3.504	4.122	------	3.368	3.369
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.990	3.375	3.500	3.750
APR	4.149	3.561	4.071	3.516	3.558	3.809

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