奇虎貸款利率-CA, TX, MD, VA,FL- 06月28日 星期三

SUMMARY：今天（06月28日 星期三)開盤時的房貸利率價格和上個工作日相比略微上升
。目前重新貸款40萬左右的利率，30年固定利率穩定在3.875%，15年固定利率穩定在3.
125%，5/1 ARM上升在3.375%。購房貸款40萬左右，30年固定的利率穩定在3.750%，
15年固定利率穩定在2.990%，5/1 ARM穩定在3.125%.

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	3.875	3.125	3.625	3.125	3.375	3.500
>$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	3.750	3.875
>$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	3.125	3.250
APR	3.799	3.074	3.568	3.010	3.169	3.294
>$417K	3.800	3.125	3.750	3.250	3.375	3.500
APR	3.847	3.198	3.792	3.200	3.399	3.518
Jumbo	3.875	3.375	4.125	------	3.250	3.375
APR	3.897	3.441	4.151	------	3.288	3.383
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.375	3.500	3.750
APR	4.182	3.589	4.023	3.519	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	3.125	3.375	3.500
>$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	3.625	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	3.125	3.250
APR	3.761	3.006	3.525	2.937	3.141	3.264
>$417K	3.875	3.500	4.125	------	3.250	3.375
APR	3.873	3.503	4.117	------	3.265	3.360
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.375	3.500	3.750
APR	4.153	3.520	3.980	3.445	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	3.950	3.250	3.750	3.125	3.625	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	3.875	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	2.875	3.125	3.250
APR	3.764	3.012	3.522	2.921	3.145	3.268
>$417K	3.875	3.500	4.125	------	3.250	3.375
APR	3.876	3.507	4.121	------	3.268	3.363
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.375	3.500	3.750
APR	4.146	3.527	3.977	3.455	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	3.750	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	2.990	3.500	2.875	3.125	3.250
APR	3.775	3.076	3.559	2.966	3.163	3.295
>$417K	3.875	3.500	4.125	------	3.250	3.375
APR	3.872	3.504	4.122	------	3.264	3.359
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.375	3.500	3.750
APR	4.151	3.564	4.014	3.467	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	3.500	3.950	3.375	------	4.250
>$417K	4.375	4.375	4.750	------	3.750	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	3.500	------	------
>$417K	4.500	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	3.625	2.875	3.125	3.250
APR	3.784	3.087	3.642	2.989	3.168	3.293
>$417K	3.875	3.500	4.125	------	3.250	3.375
APR	3.876	3.508	4.122	------	3.269	3.363
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.000	3.375	------	3.750
APR	4.160	3.579	4.019	3.490	------	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