奇虎貸款利率-CA, TX, MD, VA,FL- 01月11日星期三

SUMMARY：今天（1月11日 星期三)開盤時的房貸利率價格和上個工作日相比持平
。目前重新貸款40萬左右的利率，30年固定利率穩定在4.000%，15年固定利率穩定在3.
250%，5/1 ARM穩定在3.375%。購房貸款40萬左右，30年固定的利率穩定在3.875%，
15年固定利率穩定在3.125%，5/1 ARM穩定在2.990%.

注：除非特別說明，以下列出的利率都是基於本帖底部的貸款參數，並且是帶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	3.875	3.250	3.375	3.625
>$417K	4.200	3.375	4.000	3.500	3.750	3.875
Jumbo	4.125	3.625	------	------	3.500	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	3.625	3.750
>$417K	4.375	3.875	4.375	------	3.750	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000	2.990	3.250
APR	3.931	3.187	3.779	3.120	3.032	3.300
>$417K	4.000	3.250	3.875	3.250	3.375	3.625
APR	4.044	3.316	3.926	3.351	3.419	3.661
Jumbo	4.125	3.500	------	------	3.375	3.500
APR	4.115	3.541	------	------	3.395	3.540
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	4.125	3.990
APR	4.276	3.599	4.160	3.644	4.169	4.039
******************************* 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	3.875	3.250	3.375	3.500
>$417K	4.250	3.750	------	------	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	3.625	3.750
>$417K	4.250	3.875	------	------	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	3.750	2.990	2.990	3.250
APR	3.902	3.137	3.732	3.053	2.995	3.262
>$417K	4.125	3.625	------	------	3.375	3.500
APR	4.111	3.599	------	------	3.371	3.516
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	4.000	3.990
APR	4.246	3.548	4.120	3.570	4.022	4.000
******************************* 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	3.875	3.250	3.500	3.625
>$417K	4.375	4.000	------	------	3.750	3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.000	3.375	3.875	3.875
>$417K	4.375	4.000	------	------	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	3.750	2.990	2.990	3.250
APR	3.896	3.143	3.737	3.062	2.998	3.266
>$417K	4.125	3.625	------	------	3.375	3.500
APR	4.114	3.603	------	------	3.374	3.518
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	4.000	3.990
APR	4.240	3.555	4.125	3.580	4.026	4.004
******************************* 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	3.375	3.625	3.750
>$417K	4.375	4.000	------	------	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	4.125	3.500	------	4.375
>$417K	4.375	4.000	------	------	3.875	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.000	3.750	3.000	2.990	3.250
APR	3.901	3.099	3.778	3.073	3.025	3.293
>$417K	4.125	3.625	------	------	3.375	3.500
APR	4.112	3.600	------	------	3.370	3.514
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.125	3.500	4.125	3.990
APR	4.182	3.564	4.132	3.592	4.162	4.032
******************************* 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	3.500	4.000	3.500	------	4.375
>$417K	4.500	4.375	------	------	------	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	3.625	------	------
>$417K	4.500	------	------	------	------	4.125
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000	2.990	3.250
APR	3.909	3.167	3.744	3.121	3.037	3.305
>$417K	4.125	3.625	------	------	3.375	3.500
APR	4.114	3.604	------	------	3.374	3.519
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.125	3.500	4.125	3.990
APR	4.254	3.579	4.148	3.615	4.175	4.045

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：以上凡是沒有表明利率的loan program，意味著該program做不了no point的貸款
，需要收point才能做。

奇虎貸款NMLS ID: 1169300