奇虎貸款利率-CA, TX, MD, VA,FL- 01月12日星期四

SUMMARY：今天（1月12日 星期四)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	3.750	3.250	3.375	3.500
>$417K	4.125	3.375	4.000	3.375	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	4.000	3.375	3.875	3.250	3.625	3.750
>$417K	4.375	3.875	4.250	------	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	3.625	2.990	2.990	3.250
APR	3.900	3.169	3.700	3.115	3.027	3.292
>$417K	3.990	3.250	3.875	3.250	3.500	3.625
APR	4.023	3.283	3.896	3.320	3.528	3.668
Jumbo	4.000	3.375	------	------	3.375	3.500
APR	4.023	3.448	------	------	3.399	3.541
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	4.000	3.990
APR	4.182	3.581	4.117	3.617	4.056	4.031
******************************* 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	3.375	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	4.000	3.375	3.875	3.250	3.625	3.625
>$417K	4.250	3.750	------	------	3.625	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	2.990	2.990	3.250
APR	3.871	3.119	3.646	3.016	2.990	3.255
>$417K	4.125	3.500	------	------	3.375	3.625
APR	4.091	3.502	------	------	3.375	3.620
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	4.000	3.990
APR	4.153	3.530	4.077	3.544	4.017	3.992
******************************* 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	4.250	3.875	------	------	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	3.750	3.875
>$417K	4.375	4.000	------	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	2.990	2.990	3.250
APR	3.865	3.125	3.651	3.026	2.993	3.258
>$417K	4.125	3.500	------	------	3.375	3.625
APR	4.094	3.507	------	------	3.378	3.623
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	4.000	3.990
APR	4.146	3.537	4.082	3.553	4.021	3.996
******************************* 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	3.375	3.625	3.750
>$417K	4.250	3.875	------	------	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	4.000	3.500	------	4.250
>$417K	4.375	4.000	------	------	3.875	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.625	2.990	2.990	3.250
APR	3.796	3.081	3.690	3.097	3.020	3.282
>$417K	4.125	3.500	------	------	3.375	3.625
APR	4.092	3.503	------	------	3.374	3.619
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.000	3.500	4.000	3.990
APR	4.151	3.545	4.065	3.566	4.049	4.024
******************************* 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	------	4.250
>$417K	4.375	4.250	------	------	------	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	------	------	------	------	4.250
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.625	2.990	2.990	3.250
APR	3.805	3.096	3.676	3.129	3.032	3.298
>$417K	4.125	3.500	------	------	3.375	3.625
APR	4.095	3.507	------	------	3.378	3.623
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.000	3.500	4.125	3.990
APR	4.160	3.561	4.077	3.588	4.169	4.036

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