【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月03日 星期四)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 | 3.700 | 2.875 | 3.500 | 3.250 | 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 |
| >$417K | 4.125 | 3.625 | 4.000 | 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 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.409 | 2.712 | 3.248 | 2.630 | 2.787 | 3.019 |
| >$417K | 3.550 | 2.750 | 3.500 | 2.750 | 3.125 | 3.125 |
| APR | 3.587 | 2.825 | 3.500 | 2.844 | 3.160 | 3.160 |
| Jumbo | 3.625 | 3.000 | ------ | ------ | 2.875 | 3.000 |
| APR | 3.641 | 3.036 | ------ | ------ | 2.907 | 3.019 |
| 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 | 3.500 | 3.625 |
| APR | 3.775 | 3.098 | 3.552 | 3.143 | 3.551 | 3.668 |
| ******************************* 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 | 2.625 | 2.875 | 3.250 |
| >$417K | 3.875 | 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 | 2.875 | 3.375 | 2.875 | 3.125 | 3.375 |
| >$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 | 2.500 | 2.750 | 2.875 |
| APR | 3.379 | 2.645 | 3.196 | 2.516 | 2.757 | 2.903 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 |
| APR | 3.637 | 3.030 | ------ | ------ | 3.004 | 3.016 |
| 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 | 3.500 | 3.625 |
| APR | 3.746 | 3.052 | 3.499 | 3.070 | 3.512 | 3.629 |
| ******************************* 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 | 3.375 | 2.750 | 3.000 | 3.375 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 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 | 3.375 | 3.500 |
| >$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 | 2.625 | 3.250 | 2.500 | 2.750 | 2.875 |
| APR | 3.375 | 2.651 | 3.201 | 2.525 | 2.760 | 2.907 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 |
| APR | 3.640 | 3.034 | ------ | ------ | 3.006 | 3.018 |
| 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 | 3.500 | 3.625 |
| APR | 3.740 | 3.058 | 3.504 | 3.079 | 3.516 | 3.633 |
| ******************************* 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 | 2.875 | 3.500 | 2.875 | 3.125 | 3.500 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.375 |
| 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 | 3.125 | 3.625 | 3.750 |
| >$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 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.380 | 2.700 | 3.238 | 2.591 | 2.767 | 3.013 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 |
| APR | 3.638 | 3.031 | ------ | ------ | 3.004 | 3.016 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 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 | 3.625 |
| APR | 3.671 | 3.063 | 3.543 | 3.091 | 3.544 | 3.660 |
| ******************************* 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 | 3.000 | 3.625 | 3.750 |
| >$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 | 3.750 | 3.125 | 3.625 | 3.125 | ------ | 4.125 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.388 | 2.707 | 3.256 | 2.584 | 2.786 | 3.025 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 |
| APR | 3.640 | 3.035 | ------ | ------ | 3.007 | 3.019 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 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 | 3.625 |
| APR | 3.679 | 3.078 | 3.560 | 3.114 | 3.556 | 3.673 |
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
