【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（12月02日 星期五)開盤時的房貸利率價格和上個工作日相比稍微下降
。目前重新貸款40萬左右的利率，30年固定利率下降至4.000%，15年固定利率穩定至
3.250%，5/1 ARM上升至3.375%。購房貸款40萬左右，30年固定的利率下降至3.990%，
15年固定利率下降至3.125%，5/1 ARM下降至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 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.250 | 3.375 | 4.000 | 3.375 | 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 | 3.625 | 3.990 |
| >$417K | 4.625 | ------ | 4.125 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.125 | 3.375 |
| APR | 4.030 | 3.223 | 3.759 | 3.163 | 3.156 | 3.407 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.500 |
| APR | 4.154 | 3.321 | 4.011 | 3.347 | 3.413 | 3.536 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.138 | 3.643 | ------ | ------ | 3.275 | 3.394 |
| 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 | ------ | 4.375 |
| APR | 4.297 | 3.669 | 4.129 | 3.689 | ------ | 4.417 |
| ******************************* 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 | 3.375 | 3.625 |
| >$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 | 3.625 | 3.875 |
| >$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 | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.971 | 3.160 | 3.706 | 3.049 | 3.010 | 3.276 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.134 | 3.636 | ------ | ------ | 3.263 | 3.391 |
| 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 | 3.875 | 4.250 |
| APR | 4.278 | 3.637 | 4.028 | 3.642 | 3.904 | 4.273 |
| ******************************* 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 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.375 | ------ | ------ | ------ | 3.750 | 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 | 3.990 | 3.500 | 3.875 | 4.125 |
| >$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 | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.975 | 3.166 | 3.711 | 3.058 | 3.014 | 3.280 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.137 | 3.641 | ------ | ------ | 3.266 | 3.393 |
| 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 | 3.875 | 4.250 |
| APR | 4.271 | 3.644 | 4.033 | 3.652 | 3.908 | 4.277 |
| ******************************* 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 | 3.750 | 4.125 |
| >$417K | 4.375 | ------ | ------ | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | ------ |
| >$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 | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 |
| APR | 3.921 | 3.206 | 3.749 | 3.124 | 3.041 | 3.400 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.135 | 3.637 | ------ | ------ | 3.262 | 3.390 |
| 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 | 3.600 | 4.119 | 3.645 | ------ | 4.410 |
| ******************************* 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 | ------ | ------ | ------ | ------ | 4.000 |
| 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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.125 | 3.375 |
| APR | 3.930 | 3.207 | 3.767 | 3.117 | 3.162 | 3.413 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.137 | 3.642 | ------ | ------ | 3.266 | 3.394 |
| 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 | ------ | 4.375 |
| APR | 4.285 | 3.668 | 4.137 | 3.687 | ------ | 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
