【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（11月23日 星期三)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年固定利率穩定至4.000%，15年固定利率穩定至
3.250%，5/1 ARM穩定至3.500%。購房貸款40萬左右，30年固定的利率穩定至3.875%，
15年固定利率上漲至3.125%，5/1 ARM上漲至3.250%.
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 ******************************* 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 | 3.500 | 3.875 |
| >$417K | 4.250 | 3.375 | 4.125 | 3.500 | 3.625 | 3.750 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 3.875 | 4.250 |
| >$417K | 4.750 | 4.375 | 4.625 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 3.917 | 3.223 | 3.769 | 3.179 | 3.292 | 3.510 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.375 | 3.375 | 3.500 |
| APR | 4.147 | 3.332 | 4.043 | 3.453 | 3.405 | 3.531 |
| Jumbo | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.041 | 3.571 | ------ | ------ | 3.271 | 3.389 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
| APR | 4.297 | 3.669 | 4.074 | 3.689 | ------ | ------ |
| ******************************* 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 | 3.875 | 3.125 | 3.500 | 3.500 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 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 | 3.375 | 3.990 | 3.375 | 3.875 | 4.250 |
| >$417K | 4.375 | 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 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 3.888 | 3.155 | 3.715 | 3.064 | 3.254 | 3.483 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.122 | 3.618 | ------ | ------ | 3.253 | 3.386 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | ------ | ------ |
| APR | 4.267 | 3.619 | 4.031 | 3.616 | ------ | ------ |
| ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.375 | 3.625 | 3.990 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.500 | 4.125 | 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 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 3.892 | 3.161 | 3.720 | 3.074 | 3.258 | 3.486 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.125 | 3.623 | ------ | ------ | 3.256 | 3.388 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | ------ | ------ |
| APR | 4.261 | 3.625 | 4.037 | 3.626 | ------ | ------ |
| ******************************* 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 | 4.125 | 3.375 | 3.990 | 3.375 | 3.875 | 4.250 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.750 | 4.125 | 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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 3.901 | 3.188 | 3.759 | 3.140 | 3.272 | 3.510 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.123 | 3.620 | ------ | ------ | 3.252 | 3.385 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | ------ | ------ |
| APR | 4.266 | 3.582 | 4.064 | 3.619 | ------ | ------ |
| ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 3.891 | 3.190 | 3.758 | 3.133 | 3.291 | 3.506 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.125 | 3.624 | ------ | ------ | 3.256 | 3.389 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | ------ | ------ |
| APR | 4.275 | 3.598 | 4.081 | 3.642 | ------ | ------ |
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
