【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（10月25日 星期二)開盤時的房貸利率價格和上個工作日相比稍差
。目前重新貸款40萬左右的利率，30年固定利率上升至3.625%，15年固定利率上升至
2.875%，5/1 ARM上升至3.375%。購房貸款40萬左右，30年固定的利率穩定在3.375%，
15年固定利率上升至2.750%，5/1 ARM上升至3.125%.
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 3.625 2.875 3.375 3.000 3.375 3.375
>$417K 3.625 3.125 3.375 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 3.750 3.125 3.500 3.250 3.250 3.500
>$417K 4.250 3.500 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 2.750 3.250 2.750 3.125 3.250
APR 3.375 2.667 3.307 2.845 3.156 3.280
>$417K 3.625 3.000 3.375 2.750 3.625 3.375
APR 3.620 3.066 3.390 2.820 3.660 3.395
Jumbo 3.500 3.000 ----- ----- 2.875 3.000
APR 3.542 3.037 ----- ----- 2.908 3.020
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.500 3.875 3.500 3.625 3.750
APR 4.043 3.576 3.915 3.628 3.669 3.790
******************************** 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 3.750 3.250 3.625 3.250 3.125 3.500
>$417K 3.875 ----- ------ ----- ----- 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.375 3.500 3.125 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 3.500 2.750 3.375 2.750 3.125 3.250
APR 3.508 2.798 3.365 2.866 3.168 3.292
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.623 3.032 ----- ------ 3.005 3.017
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.625 3.875 3.625 3.625 3.750
APR 4.146 3.669 3.926 3.723 3.648 3.787
******************************** 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 3.500 2.875 3.375 2.875 3.250 3.375
>$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 3.625 3.000 3.500 3.125 3.750 3.500
>$417K 3.875 3.500 ------ ------- 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.750 3.125 3.250
APR 3.348 2.607 3.117 2.495 3.125 3.248
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.622 3.031 ----- ------ 3.005 3.017
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.500 3.750 3.500 3.625 3.625
APR 4.002 3.504 3.783 3.524 3.637 3.650
******************************** 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 3.625 3.000 3.500 3.000 3.500 3.375
>$417K 3.875 ----- ------ ------ ----- 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.125 3.625 3.250 3.250 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 3.375 2.750 3.250 2.750 3.125 3.250
APR 3.355 2.720 3.257 2.752 3.128 3.251
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.625 3.035 ----- ------ 3.006 3.019
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.500 3.750 3.500 3.625 3.625
APR 4.006 3.510 3.789 3.533 3.641 3.654
******************************** 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 3.875 3.375 3.750 3.375 3.750 3.875
>$417K 4.125 ----- ------ ------ ----- 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.625 3.875 3.625 ----- 4.250
>$417K 4.125 ----- ------ ------ ----- -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.875 3.125 3.250
APR 3.518 2.827 3.378 2.937 3.174 3.298
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.625 3.036 ----- ------ 3.008 3.020
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.625 3.875 3.625 3.625 3.750
APR 4.156 3.686 3.940 3.748 3.667 3.799
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
