【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月18日 星期五)開盤時的房貸利率價格和上個工作日相比上漲
。目前重新貸款40萬左右的利率，30年固定利率上漲至4.000%，15年固定利率上漲至
3.250%，5/1 ARM上漲至3.375%。購房貸款40萬左右，30年固定的利率上漲至3.875%，
15年固定利率上漲至3.000%，5/1 ARM上漲至3.125%.
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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.250 | 3.250 | 4.125 | 3.375 | 3.375 | 4.625 |
| Jumbo | 4.250 | 4.375 | ------ | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.990 | 3.250 | 3.750 | 4.125 |
| >$417K | 4.875 | 4.125 | 4.500 | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.125 | 3.500 |
| APR | 3.900 | 3.098 | 3.765 | 3.132 | 3.171 | 3.470 |
| >$417K | 4.050 | 3.125 | 4.000 | 3.250 | 3.625 | 3.625 |
| APR | 4.099 | 3.190 | 4.017 | 3.309 | 3.667 | 3.666 |
| Jumbo | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.039 | 3.572 | ------ | ------ | 3.291 | 3.409 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.375 | ------ |
| APR | 4.276 | 3.544 | 4.136 | 3.564 | 4.425 | ------ |
| ******************************* 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 | 4.000 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.250 | 4.500 | ------ | ------ | 3.750 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.125 | 3.750 | 4.125 |
| >$417K | 4.375 | ------ | ------ | ------ | 3.750 | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.125 | 3.375 |
| APR | 3.871 | 3.048 | 3.716 | 3.059 | 3.139 | 3.395 |
| >$417K | 4.125 | 3.875 | ------ | ------ | 3.375 | 3.500 |
| APR | 4.129 | 3.904 | ------ | ------ | 3.389 | 3.506 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 4.375 | 4.375 |
| APR | 4.246 | 3.494 | 4.025 | 3.491 | 4.390 | 4.405 |
| ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.500 | 3.500 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 3.875 | 4.375 |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.125 | 3.375 |
| APR | 3.865 | 3.054 | 3.721 | 3.069 | 3.143 | 3.399 |
| >$417K | 4.125 | 3.875 | ------ | ------ | 3.375 | 3.500 |
| APR | 4.131 | 3.908 | ------ | ------ | 3.391 | 3.509 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 4.375 | 4.375 |
| APR | 4.240 | 3.500 | 4.030 | 3.501 | 4.394 | 4.409 |
| ******************************* 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 | 4.000 | 3.250 | 3.990 | 3.250 | 3.750 | 4.125 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.750 | 3.000 | 3.125 | 3.375 |
| APR | 3.806 | 3.063 | 3.759 | 3.091 | 3.151 | 3.426 |
| >$417K | 4.125 | 3.875 | ------ | ------ | 3.375 | 3.500 |
| APR | 4.129 | 3.912 | ------ | ------ | 3.388 | 3.507 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.375 | ------ |
| APR | 4.172 | 3.457 | 4.075 | 3.493 | 4.403 | ------ |
| ******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.500 |
| APR | 3.878 | 3.078 | 3.690 | 3.068 | 3.170 | 3.466 |
| >$417K | 4.125 | 3.875 | ------ | ------ | 3.375 | 3.500 |
| APR | 4.132 | 3.909 | ------ | ------ | 3.392 | 3.509 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.125 | 3.375 | 4.375 | ------ |
| APR | 4.181 | 3.472 | 4.130 | 3.516 | 4.423 | ------ |
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
