【奇虎房貸問答】
沒有最低，隻有更低！
奇虎貸款今日房貸利率（CA、FL、MD、TX、VA）
SUMMARY：今天（11月07日星期一）開盤時的房貸利率和上個工作日相比持平。目前重新貸款40萬左右的利率，30年固定維持在3.500%，15年固定利率穩定在2.750%，5/1 ARM仍為2.750%。購房貸款40萬左右，30年固定的利率仍為3.375%，15年固定仍為2.625%，5/1 ARM仍為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) |
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| 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 | 4.000 | 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 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.399 | 2.714 | 3.246 | 2.615 | 2.786 | 3.022 |
| >$417K | 3.500 | 2.750 | 3.375 | 2.750 | 3.125 | 3.125 |
| APR | 3.547 | 2.815 | 3.432 | 2.838 | 3.157 | 3.164 |
| Jumbo | 3.625 | 3.000 | ------ | ------ | 2.875 | 3.000 |
| APR | 3.635 | 3.035 | ------ | ------ | 2.910 | 3.022 |
| 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 | 3.543 | 3.143 | 3.554 | 3.670 |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) |
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| 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 | 2.990 |
| APR | 3.372 | 2.646 | 3.194 | 2.501 | 2.755 | 2.985 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.631 | 3.029 | ------ | ------ | 3.007 | 3.115 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.700 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 |
| APR | 3.728 | 3.052 | 3.490 | 3.070 | 3.515 | 3.631 |
| ******************************* 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 | 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 | 2.875 | 3.500 | 2.875 | 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 | 2.990 |
| APR | 3.365 | 2.653 | 3.199 | 2.511 | 2.758 | 2.988 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.634 | 3.033 | ------ | ------ | 3.009 | 3.118 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.700 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 |
| APR | 3.732 | 3.059 | 3.495 | 3.079 | 3.519 | 3.635 |
| ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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| 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 | 3.875 | ------ | ------ | ------ | ------ | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 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 | 3.370 | 2.701 | 3.237 | 2.576 | 2.766 | 3.015 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.632 | 3.030 | ------ | ------ | 3.006 | 3.115 |
| 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 | 3.533 | 3.091 | 3.547 | 3.662 |
| ******************************* 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 | 3.378 | 2.707 | 3.254 | 2.570 | 2.785 | 3.027 |
| >$417K | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.634 | 3.034 | ------ | ------ | 3.010 | 3.118 |
| 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 | 3.625 | 3.625 |
| APR | 3.679 | 3.078 | 3.551 | 3.114 | 3.658 | 3.675 |
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.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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
