【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月15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年固定利率維持至3.875%，15年固定利率維持至
3.000%，5/1 ARM維持至3.250%。購房貸款40萬左右，30年固定的利率維持至3.750%，
15年固定利率維持至2.875%，5/1 ARM維持至3.000%.
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 | 3.875 | 3.000 | 3.750 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.625 |
| Jumbo | 4.125 | 4.000 | ------ | ------ | 3.375 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.125 | 3.750 | 3.125 | 3.625 | 4.125 |
| >$417K | 4.750 | 3.875 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.125 | 3.375 |
| APR | 3.775 | 2.937 | 3.640 | 2.955 | 3.153 | 3.420 |
| >$417K | 3.950 | 3.125 | 3.875 | 3.250 | 3.250 | 3.375 |
| APR | 3.997 | 3.158 | 3.907 | 3.212 | 3.287 | 3.417 |
| Jumbo | 3.875 | 3.250 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.906 | 3.305 | ------ | ------ | 3.157 | 3.275 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 4.250 | 4.375 |
| APR | 4.150 | 3.419 | 4.022 | 3.439 | 4.293 | 4.434 |
| ******************************* 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 | 3.875 | 3.000 | 3.625 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.125 | 4.250 | ------ | ------ | 3.375 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.125 | 3.750 | 3.125 | 3.625 | 3.990 |
| >$417K | 4.250 | 4.375 | ------ | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.375 |
| APR | 3.746 | 2.887 | 3.589 | 2.882 | 3.022 | 3.382 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.375 |
| APR | 3.994 | 3.392 | ------ | ------ | 3.137 | 3.368 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 4.125 | 4.375 |
| APR | 4.121 | 3.369 | 3.968 | 3.366 | 4.150 | 4.394 |
| ******************************* 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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 4.250 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.375 |
| APR | 3.740 | 2.893 | 3.594 | 2.891 | 3.026 | 3.386 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.375 |
| APR | 3.996 | 3.397 | ------ | ------ | 3.140 | 3.371 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 4.125 | 4.375 |
| APR | 4.115 | 3.375 | 3.973 | 3.376 | 4.154 | 4.398 |
| ******************************* 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 | 3.875 | 3.125 | 3.875 | 3.125 | 3.625 | 4.000 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.375 | ------ | ------ |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.750 | 3.625 | 2.750 | 3.000 | 3.375 |
| APR | 3.681 | 2.848 | 3.632 | 2.893 | 3.034 | 3.413 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.375 |
| APR | 3.994 | 3.393 | ------ | ------ | 3.136 | 3.368 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 4.125 | 4.375 |
| APR | 4.047 | 3.331 | 3.954 | 3.368 | 4.162 | 4.427 |
| ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.750 | 3.125 | 3.375 |
| APR | 3.753 | 2.917 | 3.605 | 2.870 | 3.152 | 3.426 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.375 |
| APR | 3.997 | 3.398 | ------ | ------ | 3.140 | 3.371 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.990 | 3.250 | 4.250 | 4.625 |
| APR | 4.056 | 3.347 | 4.030 | 3.391 | 4.292 | 4.681 |
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
