奇虎贷款利率-CA, TX, MD, VA,FL, GA, WA- 4月12日星期四

SUMMARY：今天（4月12日星期四）开盘时的房贷利率价格和上个工作日相比基本持平.

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 $453K, High-Balance Loan $636K, 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
<=$453K	4.375	3.875	4.250	3.875	3.875	3.875
>$453K	4.500	4.000	4.625	------	3.750	------
Jumbo	4.625	4.625	------	------	4.375	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.375	4.000	------	------
>$453K	4.625	4.125	5.125	------	4.000	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.125	3.750	3.625	3.750
APR	4.297	3.813	4.160	3.841	3.680	3.795
>$453K	4.375	3.875	4.375	------	3.625	4.375
APR	4.413	3.922	4.442	------	3.671	4.425
Jumbo	4.375	4.375	------	------	4.000	4.000
APR	4.409	4.416	------	------	4.033	4.033
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.250	4.500	4.250	------	------
APR	4.776	4.333	4.550	4.369	------	------
******************************* MARYLAND ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K	4.375	3.875	4.250	3.875	3.875	3.875
>$453K	4.625	4.750	------	------	4.375	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.375	4.000	------	------
>$453K	5.125	4.625	4.875	------	4.375	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.125	3.750	3.625	3.750
APR	4.267	3.762	4.120	3.767	3.652	3.767
>$453K	4.375	4.375	------	------	4.000	4.000
APR	4.384	4.372	------	------	4.009	4.009
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.250	4.500	4.250	------	------
APR	4.746	4.281	4.510	4.294	------	------
******************************* VIRGINIA ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K	4.500	4.000	4.250	4.000	4.000	4.125
>$453K	4.750	------	------	------	------	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.625	4.125	4.375	4.125	------	------
>$453K	5.250	4.875	5.000	------	4.500	4.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.125	3.750	3.625	3.750
APR	4.261	3.769	4.125	3.777	3.656	3.771
>$453K	4.375	4.375	------	------	4.000	4.000
APR	4.387	4.377	------	------	4.011	4.011
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.250	4.500	4.250	------	------
APR	4.739	4.288	4.515	4.304	------	------
******************************* 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
<=$453K	4.500	4.000	4.375	4.000	------	------
>$453K	5.250	4.875	5.000	------	4.500	4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	5.000	------	5.000	------	------	------
>$453K	5.250	4.875	5.000	------	4.625	4.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.625	4.000	3.625	3.625	3.750
APR	4.266	3.726	4.065	3.771	3.681	3.796
>$453K	5.000	4.500	4.750	------	4.250	4.375
APR	4.997	4.533	4.747	------	4.253	4.378
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.625	4.125	4.500	4.125	------	------
APR	4.673	4.227	4.522	4.272	------	------
******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo 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
<=$453K	4.625	4.125	4.500	4.125	------	------
>$453K	5.625	5.125	5.375	------	5.125	5.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.375	4.625	4.375	------	------
>$453K	5.625	5.125	5.375	------	5.125	5.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.000	3.750	3.625	3.750
APR	4.275	3.793	4.077	3.812	3.679	3.794
>$453K	5.000	4.500	4.750	------	4.250	4.375
APR	4.998	4.534	4.747	------	4.253	4.378
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.625	4.250	4.500	4.250	------	------
APR	4.683	4.312	4.534	4.340	------	------
******************************* GEORGIA ******************************* (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
<=$453K	4.500	4.125	4.375	4.125	------	------
>$453K	4.875	------	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.250	4.500	4.250	------	------
>$453K	5.375	4.875	5.125	------	4.625	4.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.000	3.750	3.625	3.750
APR	4.289	3.819	4.097	3.849	3.694	3.809
>$453K	4.375	4.375	------	------	4.000	4.000
APR	4.393	4.388	------	------	4.018	4.018
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.625	4.250	4.500	4.250	------	------
APR	4.698	4.338	4.555	4.377	------	------
******************************* WASHINGTON ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K, 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
<=$453K	4.375	3.875	4.250	3.875	3.875	3.875
>$453K	4.625	4.750	------	------	4.375	4.250
Jumbo	4.625	4.625	------	------	4.375	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.375	4.000	------	------
>$453K	5.125	4.625	4.875	------	4.375	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.125	3.750	3.625	3.750
APR	4.267	3.761	4.119	3.766	3.651	3.766
>$453K	4.375	4.375	------	------	4.000	4.000
APR	4.383	4.371	------	------	4.008	4.008
Jumbo	4.375	4.375	------	------	4.000	4.000
APR	4.378	4.362	------	------	4.003	4.003
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.750	4.250	4.500	4.250	------	------
APR	4.746	4.280	4.509	4.293	------	------

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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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