【奇虎房貸問答】
沒有最低，隻有更低！
正文
SUMMARY：今天（11月29日星期四）開盤時的房貸利率價格和上個工作日相比基本持平。
| 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 $453K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | 4.375 | 4.750 | 4.375 | ------ | ------ |
| >$453K | 5.000 | 4.375 | ------ | ------ | 4.250 | ------ |
| Jumbo | 5.125 | 4.750 | ------ | ------ | 4.500 | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | 4.625 | 4.875 | 4.625 | ------ | ------ |
| >$453K | 5.125 | 4.625 | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.250 |
| APR | 4.792 | 4.178 | 4.652 | 4.201 | 4.269 | 4.290 |
| >$453K | 4.875 | 4.375 | ------ | ------ | 4.250 | ------ |
| APR | 4.907 | 4.393 | ------ | ------ | 4.260 | ------ |
| Jumbo | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.250 |
| APR | 4.914 | 4.442 | ------ | ------ | 4.277 | 4.288 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
| APR | 5.270 | ------ | 5.168 | ------ | ------ | ------ |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | 4.250 | 4.750 | 4.250 | 4.375 | 4.375 |
| >$453K | 5.125 | 4.750 | ------ | ------ | 4.500 | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | 4.500 | 4.875 | 4.500 | ------ | ------ |
| >$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.250 |
| APR | 4.761 | 4.126 | 4.611 | 4.126 | 4.240 | 4.261 |
| >$453K | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.250 |
| APR | 4.888 | 4.398 | ------ | ------ | 4.252 | 4.263 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
| APR | 5.239 | ------ | 5.126 | ------ | ------ | ------ |
| ******************************* VIRGINIA ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | 4.375 | 4.875 | 4.375 | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | 4.625 | 5.000 | 4.625 | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.250 |
| APR | 4.755 | 4.133 | 4.616 | 4.136 | 4.244 | 4.265 |
| >$453K | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.250 |
| APR | 4.891 | 4.403 | ------ | ------ | 4.255 | 4.266 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
| APR | 5.232 | ------ | 5.131 | ------ | ------ | ------ |
| ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | 4.500 | 4.875 | 4.500 | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.500 | 5.125 | 5.625 | ------ | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.625 | 4.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.625 | 4.125 | 4.500 | 4.125 | 4.250 | 4.250 |
| APR | 4.678 | 4.141 | 4.557 | 4.149 | 4.270 | 4.291 |
| >$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
| APR | 4.997 | 4.533 | 4.747 | ------ | 4.253 | 4.378 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.125 | 4.750 | 5.000 | 4.750 | ------ | ------ |
| APR | 5.168 | 4.823 | 5.073 | 4.855 | ------ | ------ |
| ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.125 | 4.750 | 5.000 | 4.750 | ------ | ------ |
| >$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.250 | ------ | 5.250 | ------ | ------ | ------ |
| >$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.500 | 4.125 | 4.250 | 4.250 |
| APR | 4.769 | 4.157 | 4.570 | 4.172 | 4.268 | 4.289 |
| >$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
| APR | 4.998 | 4.534 | 4.747 | ------ | 4.253 | 4.378 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.125 | 4.750 | 5.125 | 4.750 | ------ | ------ |
| APR | 5.178 | 4.840 | 5.151 | 4.879 | ------ | ------ |
| ******************************* GEORGIA ******************************* (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 | |
| <=$453K | 5.000 | 4.625 | 5.000 | 4.625 | ------ | ------ |
| >$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.125 | 4.750 | 5.125 | 4.750 | ------ | ------ |
| >$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.500 | 4.125 | 4.250 | 4.250 |
| APR | 4.784 | 4.183 | 4.590 | 4.209 | 4.283 | 4.304 |
| >$453K | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.250 |
| APR | 4.898 | 4.414 | ------ | ------ | 4.262 | 4.272 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.125 | 4.750 | 5.125 | 4.750 | ------ | ------ |
| APR | 5.193 | 4.866 | 5.172 | 4.917 | ------ | ------ |
| ******************************* WASHINGTON ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K, 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 | |
| <=$453K | 4.875 | 4.250 | 4.750 | 4.250 | 4.375 | 4.375 |
| >$453K | 5.125 | 4.750 | ------ | ------ | 4.500 | ------ |
| Jumbo | 5.125 | 4.750 | ------ | ------ | 4.500 | 4.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | 4.500 | 4.875 | 4.500 | ------ | ------ |
| >$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.250 |
| APR | 4.761 | 4.125 | 4.610 | 4.125 | 4.240 | 4.261 |
| >$453K | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.250 |
| APR | 4.888 | 4.397 | ------ | ------ | 4.252 | 4.263 |
| Jumbo | 4.875 | 4.375 | ------ | ------ | 4.250 | 4.250 |
| APR | 4.883 | 4.388 | ------ | ------ | 4.247 | 4.258 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
| APR | 5.239 | ------ | 5.125 | ------ | ------ | ------ |
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.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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
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