【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（09月29日 星期四)開盤時的房貸利率價格和上個工作日相比稍好。目前
重新貸款40萬左右的利率，30年固定利率穩定至3.375%，15年固定利率穩定在2.750%，
5/1 ARM下降至2.875%。購房貸款40萬左右，30年固定的利率穩定在3.250%，15年固定
利率穩定在2.500%，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 3.125 2.750 2.875 3.250
>$417K 3.450 2.750 3.250 2.750 3.375 3.250
Jumbo 3.625 3.000 ----- ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.250 2.750 3.125 3.375
>$417K 3.750 3.375 3.750 3.625 3.375 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.625 2.750 2.875
APR 3.241 2.586 3.055 2.506 2.789 2.924
>$417K 3.375 2.750 3.250 2.750 2.990 3.000
APR 3.399 2.744 3.305 2.966 3.036 3.040
Jumbo 3.500 2.875 ----- ----- 2.875 2.875
APR 3.524 2.944 ----- ----- 2.902 2.913
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.250 2.875 3.500 3.625
APR 3.605 2.973 3.304 2.991 3.556 3.663
******************************** 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 3.375 2.750 3.250 2.750 3.125 3.375
>$417K 3.750 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 2.990 3.375 3.125 3.625 3.750
>$417K 4.000 3.500 ------ ------- ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.500 2.625 2.875
APR 3.275 2.580 3.050 2.497 2.658 2.923
>$417K 3.625 3.000 ----- ------ 2.875 3.000
APR 3.603 2.998 ----- ------ 2.893 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.250 2.750 3.500 3.625
APR 3.545 2.973 3.300 2.893 3.536 3.659
******************************** 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 3.125 2.500 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 3.375 2.750 3.250 2.625 3.125 3.375
>$417K 3.875 3.375 ------ ------- 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.250 2.526 3.008 2.565 2.748 2.897
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.602 2.987 ----- ------ 2.994 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.550 2.875 3.250 2.875 3.500 3.625
APR 3.571 3.925 3.257 2.866 3.522 3.628
******************************** 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 3.375 2.750 3.125 2.625 3.250 3.375
>$417K 3.875 3.375 ------ ------ ----- 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.250 2.750 3.250 3.500
>$417K 4.000 3.500 ------ ------ ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.500 2.750 2.875
APR 3.230 2.532 3.013 2.443 2.751 2.901
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.614 2.911 ----- ------ 3.002 3.005
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.250 2.875 3.500 3.625
APR 3.530 2.931 3.262 2.928 3.526 3.632
******************************** 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 3.500 2.875 3.375 2.750 3.625 3.500
>$417K 3.875 3.625 ------ ------ ----- 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
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 3.750
>$417K 4.000 3.500 ------ ------ ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.375 2.750 2.875
APR 3.275 2.580 3.050 2.468 2.769 2.923
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.606 2.911 ----- ------ 3.003 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.875 3.500 3.625
APR 3.630 2.973 3.387 2.910 3.554 3.659
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
