奇虎貸款利率-CA, TX, MD, VA,FL- 08月07日 星期一

SUMMARY：今天（08月07日 星期一)開盤時的房貸利率價格和上個工作日相比略微下降 。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年固定利率下降在3. 000%，5/1 ARM穩定在3.125%。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2.875%，5/1 ARM穩定在2.875%.  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	3.000	3.625	3.000	3.125	3.375
>$417K	3.950	3.250	3.875	3.250	3.500	3.500
Jumbo	4.000	3.625	4.250	------	3.375	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.125	3.375	3.500
>$417K	4.125	3.750	3.875	------	3.500	3.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.500	2.750	2.875	3.125
APR	3.765	2.973	3.560	2.892	2.928	3.159
>$417K	3.800	3.125	3.750	3.000	3.250	3.375
APR	3.840	3.173	3.754	3.118	3.272	3.400
Jumbo	3.875	3.375	4.125	------	3.250	3.250
APR	3.894	3.439	4.151	------	3.279	3.288
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	3.875	3.375	3.500	3.625
APR	4.140	3.474	3.939	3.492	3.537	3.662
******************************* 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	3.000	3.625	3.000	3.125	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	3.875	3.250	3.750	3.125	3.375	3.500
>$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	2.875	3.500	2.750	2.875	3.125
APR	3.736	2.923	3.518	2.819	2.901	3.131
>$417K	3.875	3.500	4.125	------	3.250	3.250
APR	3.870	3.501	4.117	------	3.256	3.264
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	3.875	3.375	3.500	3.625
APR	4.111	3.423	3.899	3.419	3.509	3.634
******************************* 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	3.875	3.125	3.750	3.000	3.250	3.500
>$417K	4.250	3.875	4.375	------	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	3.875	3.250	3.625	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	3.625	2.875	3.500	2.750	2.875	3.125
APR	3.656	2.929	3.515	2.829	2.904	3.135
>$417K	3.875	3.500	4.125	------	3.250	3.250
APR	3.873	3.506	4.121	------	3.259	3.267
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	3.875	3.375	3.500	3.625
APR	4.104	3.430	3.904	3.428	3.512	3.637
******************************* 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	3.875	3.250	3.750	3.125	3.500	3.875
>$417K	4.250	3.875	4.375	------	3.500	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	3.950	3.500	------	4.375
>$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	3.625	2.875	3.500	2.750	2.875	3.125
APR	3.660	2.937	3.535	2.841	2.928	3.159
>$417K	3.875	3.500	4.125	------	3.250	3.250
APR	3.869	3.503	4.122	------	3.255	3.263
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	3.500	3.625
APR	4.047	3.438	3.911	3.395	3.557	3.683
******************************* 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	4.000	3.375	3.875	3.250	------	4.250
>$417K	4.375	4.500	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	4.125	3.500	4.000	3.500	------	------
>$417K	4.375	4.500	4.750	------	3.750	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	2.875	3.125
APR	3.669	2.953	3.547	2.863	2.927	3.158
>$417K	3.875	3.500	4.125	------	3.250	3.250
APR	3.873	3.507	4.122	------	3.260	3.267
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.375	3.500	3.625
APR	4.056	3.454	3.923	3.463	3.558	3.683

 

 

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