【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月09日 星期三)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年固定利率穩定在
2.750%，5/1 ARM上升至3.125%。購房貸款40萬左右，30年固定的利率上升至3.450%，
15年固定利率上升至2.750%，5/1 ARM上升至2.875%.
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 | 2.750 | 3.375 | 2.750 | 3.125 | 3.375 |
| >$417K | 3.800 | 3.125 | 3.625 | 3.125 | 3.375 | 3.375 |
| Jumbo | 3.875 | 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 | 3.375 | 3.625 |
| >$417K | 4.125 | 3.625 | 4.125 | 3.750 | 3.500 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.450 | 2.750 | 3.250 | 2.750 | 2.875 | 3.125 |
| APR | 3.499 | 2.745 | 3.309 | 2.761 | 2.905 | 3.146 |
| >$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.658 | 2.955 | 3.564 | 2.973 | 3.156 | 3.271 |
| Jumbo | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 |
| APR | 3.659 | 3.060 | ------ | ------ | 3.019 | 3.033 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.000 | 3.750 |
| APR | 3.910 | 3.223 | 3.662 | 3.268 | 3.046 | 3.801 |
| ******************************* 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 | 3.625 | 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 | 4.000 | ------ | ------ | ------ | 3.250 | 3.375 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.450 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 |
| APR | 3.461 | 2.678 | 3.256 | 2.670 | 2.776 | 3.009 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.743 | 3.129 | ------ | ------ | 3.005 | 3.126 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 |
| APR | 3.882 | 3.155 | 3.608 | 3.195 | 3.632 | 3.762 |
| ******************************* 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 | 2.875 | 3.500 | 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 | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 |
| >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.450 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 |
| APR | 3.464 | 2.685 | 3.261 | 2.679 | 2.779 | 3.013 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.745 | 3.133 | ------ | ------ | 3.008 | 3.129 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 |
| APR | 3.875 | 3.161 | 3.613 | 3.204 | 3.636 | 3.766 |
| ******************************* 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.750 | 3.875 |
| >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 |
| 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 | 3.420 | 2.723 | 3.299 | 2.745 | 2.788 | 3.040 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.743 | 3.130 | ------ | ------ | 3.004 | 3.126 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 |
| APR | 3.796 | 3.188 | 3.652 | 3.216 | 3.663 | 3.794 |
| ******************************* 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 | 3.125 | 3.625 | 3.125 | 3.750 | 3.875 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| 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 | ------ | 4.375 |
| >$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 | 2.875 | 3.125 |
| APR | 3.429 | 2.738 | 3.316 | 2.738 | 2.903 | 3.151 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.746 | 3.134 | ------ | ------ | 3.008 | 3.129 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 |
| APR | 3.805 | 3.203 | 3.669 | 3.239 | 3.676 | 3.806 |
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
