奇虎貸款利率-CA, TX, MD, VA,FL- 07月19日星期三

SUMMARY：今天（07月19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3.95%，15年固定利率穩定在3.
25%，5/1 ARM穩定在3.250%。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3.000%，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	3.250	3.375
>$417K	4.000	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	3.875
>$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	3.000	3.250
APR	3.806	3.075	3.569	2.986	3.053	3.284
>$417K	3.875	3.125	3.750	3.125	3.125	3.250
APR	3.902	3.187	3.769	3.198	3.168	3.287
Jumbo	3.875	3.375	4.125	------	3.250	3.375
APR	3.906	3.444	4.151	------	3.292	3.394
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	3.581	4.022	3.492	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	3.250	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	3.500	3.750
>$417K	4.000	3.750	4.250	------	3.625	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	3.772	3.006	3.528	2.913	3.021	3.256
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.882	3.506	4.117	------	3.374	3.370
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	3.979	3.419	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	3.375	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	------	3.750	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	3.771	3.013	3.521	2.897	3.025	3.260
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.885	3.511	4.121	------	3.376	3.373
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	3.526	3.976	3.428	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	2.990	3.500	2.875	3.000	3.250
APR	3.775	3.077	3.562	2.966	3.035	3.285
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.881	3.507	4.122	------	3.372	3.369
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	3.950	3.375	3.500	3.750
APR	4.151	3.475	4.014	3.440	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	3.950	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	3.500	------	------
>$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	3.625	2.875	3.000	3.250
APR	3.784	3.087	3.644	2.989	3.054	3.283
>$417K	3.875	3.500	4.125	------	3.375	3.375
APR	3.886	3.512	4.122	------	3.377	3.373
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	3.500	3.750
APR	4.160	3.561	4.019	3.463	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