【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（10月05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年固定利率穩定至3.375%，15年固定利率穩定在2.750%，
5/1 ARM穩定在3.000%。購房貸款40萬左右，30年固定的利率上漲在3.375%，15年固定
利率下降在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 3.250 2.625 3.000 3.250
>$417K 3.550 2.875 3.500 2.875 3.250 3.250
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 3.250 3.500
>$417K 3.875 3.375 3.875 3.625 3.375 3.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.500 3.125 2.500 2.750 2.875
APR 3.365 2.593 3.151 2.579 2.789 2.924
>$417K 3.375 2.750 3.375 2.750 3.125 3.125
APR 3.418 2.774 3.390 2.830 3.154 3.147
Jumbo 3.500 2.875 ----- ----- 2.875 3.000
APR 3.542 2.947 ----- ----- 2.907 3.015
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 3.625 3.750
APR 3.670 3.045 3.453 2.991 3.671 3.789
******************************** 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 2.500 3.375 2.750 3.250 3.625
>$417K 3.875 3.500 ------ ----- ----- 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 3.000 3.750 3.875
>$417K 4.000 ----- ------ ------- ----- 3.500
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 3.285 2.587 3.125 2.558 2.783 2.923
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.620 3.009 ----- ------ 2.995 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.625 3.750
APR 3.640 2.973 3.503 2.940 3.668 3.786
******************************** 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 ------ ----- 3.125 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 3.250 3.500
>$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 3.375 2.500 3.125 2.500 2.750 2.875
APR 3.338 2.532 3.104 2.483 2.762 2.897
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.619 3.008 ----- ------ 2.996 3.004
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 3.625 3.625
APR 3.642 2.984 3.405 2.918 3.637 3.649
******************************** 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 2.625 3.125 3.375
>$417K 3.875 3.500 ------ ------ ----- 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 3.375 2.750 3.375 3.625
>$417K 4.000 ----- ------ ------ ----- 3.500
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 3.280 2.539 3.109 2.493 2.766 2.901
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.622 3.012 ----- ------ 2.999 3.007
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 3.625 3.625
APR 3.635 2.990 3.411 2.928 3.640 3.653
******************************** 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 2.875 3.500 2.875 3.875 3.875
>$417K 4.000 ----- ------ ------ ----- 2.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.000 ----- 4.250
>$417K 4.125 ----- ------ ------ ----- -----
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 3.286 2.582 3.152 2.515 2.785 2.920
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.622 3.013 ----- ------ 2.999 3.007
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 3.750
APR 3.649 3.061 3.520 2.962 3.680 3.798
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
