【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（12月01日 星期四)開盤時的房貸利率價格和上個工作日相比上升
。目前重新貸款40萬左右的利率，30年固定利率上升至4.125%，15年固定利率穩定至
3.250%，5/1 ARM上升至3.625%。購房貸款40萬左右，30年固定的利率上升至4.000%，
15年固定利率上升至3.250%，5/1 ARM上升至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 ******************************* (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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 4.000 |
| >$417K | 4.375 | 3.625 | 4.250 | 3.625 | 3.625 | 3.750 |
| Jumbo | 4.250 | 3.875 | ------ | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.375 | 4.000 | 4.375 |
| >$417K | 4.750 | ------ | 4.625 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.750 |
| APR | 4.025 | 3.258 | 3.924 | 3.261 | 3.295 | 3.784 |
| >$417K | 4.250 | 3.500 | 4.125 | 3.750 | 3.375 | 3.500 |
| APR | 4.266 | 3.554 | 4.150 | 3.852 | 3.411 | 3.539 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.139 | 3.669 | ------ | ------ | 3.278 | 3.398 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
| APR | 4.411 | 3.706 | 4.271 | 3.743 | ------ | ------ |
| ******************************* 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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.875 |
| >$417K | 4.375 | 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 | 4.250 | 3.375 | 4.125 | 3.375 | 3.875 | 4.250 |
| >$417K | 4.375 | ------ | ------ | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.625 |
| APR | 3.996 | 3.208 | 3.884 | 3.188 | 3.263 | 3.648 |
| >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 |
| APR | 4.135 | 3.743 | ------ | ------ | 3.261 | 3.490 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
| APR | 4.382 | 3.655 | 4.230 | 3.669 | ------ | ------ |
| ******************************* 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 | 4.000 | 3.375 | 3.750 | 4.125 |
| >$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 | 3.500 | 4.125 | 3.500 | 4.125 | 4.625 |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.625 |
| APR | 3.990 | 3.214 | 3.890 | 3.198 | 3.266 | 3.651 |
| >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 |
| APR | 4.138 | 3.747 | ------ | ------ | 3.263 | 3.493 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
| APR | 4.375 | 3.662 | 4.236 | 3.679 | ------ | ------ |
| ******************************* 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 | 4.125 | 3.375 | 3.875 | 4.375 |
| >$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 | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | 3.250 | 3.625 |
| APR | 3.995 | 3.224 | 3.896 | 3.269 | 3.274 | 3.653 |
| >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 |
| APR | 4.136 | 3.744 | ------ | ------ | 3.259 | 3.490 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | ------ |
| APR | 4.297 | 3.670 | 4.205 | 3.691 | ------ | ------ |
| ******************************* 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 | 3.625 | 4.125 | 3.625 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.750 |
| APR | 4.004 | 3.238 | 3.909 | 3.233 | 3.294 | 3.782 |
| >$417K | 4.125 | 3.750 | ------ | ------ | 3.250 | 3.500 |
| APR | 4.138 | 3.748 | ------ | ------ | 3.264 | 3.493 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | ------ | ------ |
| APR | 4.306 | 3.686 | 4.255 | 3.714 | ------ | ------ |
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
