【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（12月22日 星期四)開盤時的房貸利率價格和上個工作日相比趨於稍差
。目前重新貸款40萬左右的利率，30年固定利率穩定在4.25%，15年固定利率穩定至
3.375%，5/1 ARM上升至3.625%。購房貸款40萬左右，30年固定的利率穩定在4.125%，
15年固定利率穩定在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。
| (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 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.375 | 3.625 | 4.250 | 3.625 | 3.875 | 4.000 |
| Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 |
| 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 | 3.875 | 4.125 |
| >$417K | 4.500 | ------ | 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 | 3.875 | 3.250 | 3.250 | 3.500 |
| APR | 4.125 | 3.294 | 3.861 | 3.199 | 3.299 | 3.531 |
| >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.375 | 3.750 |
| APR | 4.381 | 3.551 | 4.135 | 3.554 | 3.418 | 3.792 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 |
| APR | 4.283 | 3.801 | ------ | ------ | 3.523 | 3.667 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.375 | 4.625 |
| APR | 4.505 | 3.832 | 4.294 | 3.868 | 4.430 | 4.665 |
| ******************************* 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 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.875 | 4.000 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
| APR | 4.097 | 3.244 | 3.822 | 3.126 | 3.266 | 3.503 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.363 | 3.887 | ------ | ------ | 3.499 | 3.743 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 |
| APR | 4.475 | 3.780 | 4.254 | 3.794 | 4.395 | 4.523 |
| ******************************* 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 | 4.000 | 3.375 | 3.750 | 3.875 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 4.125 | 4.250 |
| >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
| APR | 4.031 | 3.250 | 3.827 | 3.136 | 3.270 | 3.506 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.366 | 3.891 | ------ | ------ | 3.501 | 3.746 |
| 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 | 4.375 | 4.500 |
| APR | 4.407 | 3.787 | 4.259 | 3.804 | 4.399 | 4.527 |
| ******************************* 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 | 3.875 | 4.125 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
| APR | 4.036 | 3.259 | 3.860 | 3.197 | 3.278 | 3.527 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.364 | 3.888 | ------ | ------ | 3.497 | 3.742 |
| 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 | 4.375 | 4.500 |
| APR | 4.412 | 3.726 | 4.293 | 3.771 | 4.408 | 4.536 |
| ******************************* 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 | 3.625 | 4.125 | 3.625 | ------ | ------ |
| >$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 | 4.250 | 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 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 4.037 | 3.274 | 3.816 | 3.220 | 3.297 | 3.526 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.366 | 3.892 | ------ | ------ | 3.502 | 3.746 |
| 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 | 4.375 | 4.625 |
| APR | 4.421 | 3.811 | 4.259 | 3.846 | 4.428 | 4.663 |
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
