【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月01日 星期二)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年固定利率穩定在3.500%，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年固定的利率穩定在3.375%，
15年固定利率穩定在2.625%，5/1 ARM穩定至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 | 3.500 | 2.750 | 3.375 | 2.750 | 3.000 | 3.250 |
| >$417K | 3.750 | 3.000 | 3.625 | 3.000 | 3.375 | 3.375 |
| Jumbo | 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 |
| >$417K | 4.125 | 3.500 | 4.125 | 3.750 | 3.375 | 3.375 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.625 | 2.750 | 2.990 |
| APR | 3.419 | 2.723 | 3.269 | 2.681 | 2.799 | 3.033 |
| >$417K | 3.550 | 2.875 | 3.500 | 2.750 | 3.125 | 3.250 |
| APR | 3.596 | 2.920 | 3.519 | 2.867 | 3.161 | 3.268 |
| Jumbo | 3.625 | 3.000 | ------ | ------ | 2.875 | 3.000 |
| APR | 3.644 | 3.053 | ------ | ------ | 2.914 | 3.029 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.625 |
| APR | 3.795 | 3.187 | 3.566 | 3.215 | 3.664 | 3.682 |
| ******************************* 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 | 2.750 | 3.375 | 2.750 | 3.000 | 3.250 |
| >$417K | 3.875 | 3.375 | ------ | ------ | 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 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 |
| >$417K | 3.875 | 4.250 | ------ | ------ | 3.375 | 3.375 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.750 | 2.750 | 2.990 |
| APR | 3.392 | 2.662 | 3.222 | 2.637 | 2.769 | 3.000 |
| >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.641 | 3.123 | ------ | ------ | 3.011 | 3.122 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.625 |
| APR | 3.767 | 3.137 | 3.518 | 3.142 | 3.629 | 3.648 |
| ******************************* 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 | 2.875 | 3.375 | 2.875 | 3.125 | 3.375 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 |
| 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 | 3.375 | 3.625 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.625 |
| 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 | 2.750 | 2.990 |
| APR | 3.385 | 2.669 | 3.227 | 2.647 | 2.773 | 3.004 |
| >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.643 | 3.127 | ------ | ------ | 3.014 | 3.125 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.625 |
| APR | 3.760 | 3.143 | 3.523 | 3.152 | 3.633 | 3.652 |
| ******************************* 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.625 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.625 | 3.250 | 3.750 | 3.875 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.625 |
| 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 | 2.750 | 2.990 |
| APR | 3.390 | 2.717 | 3.265 | 2.659 | 2.780 | 3.030 |
| >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.641 | 3.124 | ------ | ------ | 3.011 | 3.122 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.625 | 3.750 |
| APR | 3.765 | 3.099 | 3.561 | 3.144 | 3.661 | 3.784 |
| ******************************* 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 | 3.750 | 3.000 | 3.625 | 3.000 | 3.750 | 3.875 |
| >$417K | 4.125 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.250 | ------ | 4.250 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 |
| APR | 3.398 | 2.703 | 3.282 | 2.719 | 2.799 | 3.042 |
| >$417K | 3.625 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.644 | 3.128 | ------ | ------ | 3.014 | 3.126 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.500 | 3.125 | 3.625 | 3.750 |
| APR | 3.774 | 3.167 | 3.579 | 3.186 | 3.673 | 3.797 |
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
