【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（09月19日 星期一)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年固定利率下降至3.375%，15年固定利率穩定在2.750%，
5/1 ARM上升至3.000%。購房貸款40萬左右，30年固定的利率上升在3.375%，15年固定
利率穩定在2.625%，5/1 ARM穩定在2.750%
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 3.375 2.750 3.250 2.625 3.000 3.250
>$417K 3.625 2.990 3.500 2.875 3.375 3.375
Jumbo 3.750 3.125 ----- ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 3.125 3.500
>$417K 3.990 3.375 3.875 3.750 3.500 3.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.375 2.664 3.145 2.579 2.787 2.924
>$417K 3.450 2.750 3.375 2.750 3.125 3.125
APR 3.481 2.808 3.404 2.816 3.152 3.158
Jumbo 3.625 3.000 ----- ----- 2.875 3.000
APR 3.636 3.041 ----- ----- 2.902 3.014
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 2.875 3.625 3.625
APR 3.680 3.096 3.452 3.017 3.659 3.673
******************************** 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 3.500 2.750 3.375 2.750 3.125 3.500
>$417K 4.000 3.500 ------ ----- 3.375 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.750 3.750
>$417K 4.125 3.625 ------ ------- 3.500 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.305 2.659 3.140 2.577 2.767 2.923
>$417K 3.625 3.125 ----- ------ 3.000 3.000
APR 3.633 3.104 ----- ------ 2.999 3.011
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 2.875 3.500 3.625
APR 3.650 3.063 3.448 2.966 3.537 3.670
******************************** 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 3.375 2.750 3.250 2.625 2.875 3.125
>$417K 3.750 3.250 ------ ----- 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 3.125 3.375
>$417K 3.875 3.375 ------ ------- 3.375 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.277 2.604 3.098 2.507 2.755 2.897
>$417K 3.625 3.125 ----- ------ 3.000 3.000
APR 3.632 3.103 ----- ------ 2.998 3.010
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 2.875 3.500 3.625
APR 3.651 3.008 3.404 2.944 3.525 3.638
******************************** 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 3.500 2.750 3.250 2.750 3.000 3.375
>$417K 4.000 3.500 ------ ------ 3.500 ----
-
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.250 3.500
>$417K 4.125 3.625 ------ ------ 3.500 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.281 2.610 3.103 2.516 2.759 2.901
>$417K 3.625 3.125 ----- ------ 3.000 3.000
APR 3.635 3.107 ----- ------ 3.001 3.013
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 2.875 3.500 3.625
APR 3.646 3.015 3.409 2.954 3.529 3.642
******************************** 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 3.625 3.000 3.500 2.875 3.750 3.750
>$417K 4.125 3.750 ------ ------ 3.750 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 ----- 4.250
>$417K 4.250 3.875 ------ ------ ----- 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 3.125 2.500 2.750 2.875
APR 3.296 2.582 3.157 2.515 2.785 2.920
>$417K 3.625 3.125 ----- ------ 3.000 3.000
APR 3.735 3.108 ----- ------ 3.001 3.013
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 2.875 3.625 3.625
APR 3.659 3.086 3.510 3.989 3.665 3.680
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
