【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（01月24日 星期二)開盤時的房貸利率價格和上個工作日相比稍差
。目前重新貸款40萬左右的利率，30年固定利率穩定在4.125%，15年固定利率穩定在3.
25%，5/1 ARM穩定在3.250%。購房貸款40萬左右，30年固定的利率穩定在4.000%，
15年固定利率上升至3.25%，5/1 ARM上升至3.000%.
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 | 3.250 | 3.500 |
| >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 |
| Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.125 | 3.375 | 3.750 | 3.990 |
| >$417K | 4.500 | 4.000 | 4.625 | ------ | 3.750 | 4.000 |
| 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 | 3.000 | 3.250 |
| APR | 4.025 | 3.240 | 3.890 | 3.235 | 3.053 | 3.294 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 |
| APR | 4.173 | 3.396 | 4.035 | 3.442 | 3.540 | 3.777 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.273 | 3.816 | ------ | ------ | 3.411 | 3.656 |
| 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 | 4.375 |
| APR | 4.401 | 3.688 | 4.271 | 3.716 | 4.422 | 4.428 |
| ******************************* 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 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.375 | 4.125 | ------ | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.750 | 3.990 |
| >$417K | 4.375 | 4.250 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 2.990 | 3.250 |
| APR | 4.014 | 3.190 | 3.850 | 3.159 | 3.011 | 3.266 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.248 | 3.905 | ------ | ------ | 3.388 | 3.632 |
| 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 | 4.125 | 4.250 |
| APR | 4.371 | 3.637 | 4.230 | 3.642 | 4.149 | 4.275 |
| ******************************* 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 | 3.625 | 3.750 |
| >$417K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 |
| >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 2.990 | 3.250 |
| APR | 4.018 | 3.196 | 3.855 | 3.168 | 3.015 | 3.270 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.250 | 3.910 | ------ | ------ | 3.390 | 3.634 |
| 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 | 4.125 | 4.250 |
| APR | 4.365 | 3.644 | 4.236 | 3.652 | 4.153 | 4.279 |
| ******************************* 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 | 4.000 | 3.375 | 3.750 | 3.990 |
| >$417K | ------ | ------ | ------ | ------ | 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 | 3.750 | 4.125 | 3.750 | ------ | 4.500 |
| >$417K | ------ | ------ | ------ | ------ | 4.000 | 4.000 |
| 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 | 3.000 | 3.250 |
| APR | 3.995 | 3.206 | 3.869 | 3.235 | 3.054 | 3.295 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.246 | 3.902 | ------ | ------ | 3.386 | 3.630 |
| 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 | 4.250 | 4.375 |
| APR | 4.297 | 3.600 | 4.190 | 3.645 | 4.289 | 4.421 |
| ******************************* 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 | ------ | ------ | ------ | ------ | ------ | 4.250 |
| 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 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 |
| APR | 4.004 | 3.222 | 3.855 | 3.228 | 3.052 | 3.293 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.251 | 3.910 | ------ | ------ | 3.391 | 3.635 |
| 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 | 4.375 |
| APR | 4.306 | 3.668 | 4.202 | 3.687 | 4.420 | 4.434 |
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
