【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月22日 星期二)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3.500%。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 | 3.750 | 3.125 | 3.500 | 3.500 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 4.000 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 4.125 |
| >$417K | 4.625 | 4.125 | 4.500 | ------ | 3.750 | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
| APR | 3.890 | 3.098 | 3.668 | 3.106 | 3.174 | 3.428 |
| >$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| APR | 4.046 | 3.283 | 3.939 | 3.312 | 3.406 | 3.647 |
| Jumbo | 4.000 | 3.375 | ------ | ------ | 3.250 | 3.250 |
| APR | 4.023 | 3.444 | ------ | ------ | 3.270 | 3.292 |
| 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 | ------ |
| APR | 4.276 | 3.563 | 4.038 | 3.591 | 4.428 | ------ |
| ******************************* 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 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 4.125 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.500 | 3.625 |
| 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 | 3.375 |
| APR | 3.861 | 3.048 | 3.614 | 3.033 | 3.142 | 3.390 |
| >$417K | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.019 | 3.525 | ------ | ------ | 3.254 | 3.385 |
| 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 | 3.512 | 3.984 | 3.517 | 4.393 | 4.400 |
| ******************************* 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 | 3.875 | ------ | ------ | ------ | 3.750 |
| 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 | 4.000 | 4.375 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.875 |
| 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 | 3.375 |
| APR | 3.855 | 3.054 | 3.619 | 3.043 | 3.146 | 3.394 |
| >$417K | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.022 | 3.530 | ------ | ------ | 3.256 | 3.388 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.500 | 4.375 | 4.375 |
| APR | 4.157 | 3.519 | 3.989 | 3.527 | 4.397 | 4.404 |
| ******************************* 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 | 3.875 | 3.250 | 3.750 | 4.125 |
| >$417K | 4.375 | 3.875 | ------ | ------ | ------ | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | ------ | ------ |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
| APR | 3.796 | 3.063 | 3.658 | 3.091 | 3.154 | 3.421 |
| >$417K | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.020 | 3.526 | ------ | ------ | 3.252 | 3.386 |
| 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 | 4.375 | 4.625 |
| APR | 4.161 | 3.475 | 4.028 | 3.520 | 4.406 | 4.663 |
| ******************************* 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 | 3.990 | 3.375 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| 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 | 3.625 | ------ | ------ |
| >$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 | 3.625 | 3.000 | 3.125 | 3.500 |
| APR | 3.805 | 3.065 | 3.675 | 3.042 | 3.173 | 3.466 |
| >$417K | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.022 | 3.531 | ------ | ------ | 3.257 | 3.388 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.500 | 4.375 | ------ |
| APR | 4.170 | 3.543 | 4.046 | 3.562 | 4.428 | ------ |
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
