【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（12月15日 星期四)開盤時的房貸利率價格和上個工作日相比有一定上漲
。目前重新貸款40萬左右的利率，30年固定利率上漲在4.250%，15年固定利率上漲至
3.375%，5/1 ARM上漲在3.625%。購房貸款40萬左右，30年固定的利率上漲在4.125%，
15年固定利率穩定在3.250%，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 ******************************* (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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.625 | 3.990 |
| >$417K | 4.500 | 3.750 | 4.250 | 3.875 | 4.000 | 4.000 |
| Jumbo | 4.500 | ------ | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.125 | 3.500 | 4.125 | 4.375 |
| >$417K | 4.625 | ------ | 4.625 | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.990 | 3.250 | 3.250 | 3.500 |
| APR | 4.140 | 3.330 | 4.043 | 3.330 | 3.301 | 3.510 |
| >$417K | 4.300 | 3.500 | 4.125 | 4.125 | 3.750 | 3.875 |
| APR | 4.342 | 3.572 | 4.159 | 4.245 | 3.773 | 3.908 |
| Jumbo | 4.500 | 4.250 | ------ | ------ | 3.625 | 3.750 |
| APR | 4.504 | 4.316 | ------ | ------ | 3.649 | 3.773 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ |
| APR | 4.515 | 3.848 | 4.397 | 3.895 | ------ | ------ |
| ******************************* 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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.500 | 3.500 |
| >$417K | 4.625 | ------ | ------ | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.125 | 3.500 | 4.000 | 4.250 |
| >$417K | 4.625 | ------ | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.990 | 3.250 | 3.250 | 3.500 |
| APR | 4.111 | 3.266 | 3.989 | 3.257 | 3.263 | 3.483 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.625 | 3.750 |
| APR | 4.479 | 4.279 | ------ | ------ | 3.624 | 3.749 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ |
| APR | 4.486 | 3.779 | 4.350 | 3.820 | ------ | ------ |
| ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 4.125 |
| >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.125 |
| 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 | 4.250 | 4.625 |
| >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.990 | 3.250 | 3.250 | 3.500 |
| APR | 4.104 | 3.273 | 3.994 | 3.267 | 3.267 | 3.486 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.625 | 3.750 |
| APR | 4.482 | 4.284 | ------ | ------ | 3.627 | 3.751 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ |
| APR | 4.479 | 3.785 | 4.355 | 3.830 | ------ | ------ |
| ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 4.375 |
| >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.550 | 3.875 | 4.375 | 3.875 | ------ | ------ |
| >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.990 | 3.250 | 3.250 | 3.500 |
| APR | 4.057 | 3.295 | 4.033 | 3.315 | 3.294 | 3.510 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.625 | 3.750 |
| APR | 4.477 | 4.287 | ------ | ------ | 3.623 | 3.747 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| APR | 4.433 | 3.814 | 4.330 | 3.843 | ------ | ------ |
| ******************************* 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 | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | ------ |
| >$417K | 4.875 | ------ | ------ | ------ | ------ | ------ |
| 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 | 3.500 |
| APR | 4.048 | 3.311 | 3.927 | 3.266 | 3.306 | 3.506 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.625 | 3.750 |
| APR | 4.482 | 4.284 | ------ | ------ | 3.627 | 3.752 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ |
| APR | 4.493 | 3.830 | 4.395 | 3.865 | ------ | ------ |
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
