【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（01月30日 星期一)開盤時的房貸利率價格和上個工作日相比略微下降
。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.
250%，5/1 ARM下降在3.250%。購房貸款40萬左右，30年固定的利率下降在3.990%，
15年固定利率穩定在3.250%，5/1 ARM穩定在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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.250 | 3.625 |
| >$417K | 4.250 | 3.375 | 4.125 | 3.500 | 3.750 | 3.875 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 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 | 4.000 | 3.375 | 3.500 | 3.875 |
| >$417K | 4.500 | 3.875 | 4.500 | ------ | 3.875 | 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 | 3.125 | 3.250 |
| APR | 4.042 | 3.240 | 3.896 | 3.260 | 3.152 | 3.304 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.250 | 3.625 |
| APR | 4.169 | 3.385 | 4.025 | 3.439 | 3.292 | 3.671 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.162 | 3.654 | ------ | ------ | 3.406 | 3.647 |
| 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 | 3.875 | 3.990 |
| APR | 4.401 | 3.706 | 4.256 | 3.743 | 3.930 | 4.035 |
| ******************************* 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 | 3.875 | ------ | ------ | 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 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.375 | 4.000 | ------ | ------ | 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 | 3.000 | 3.250 |
| APR | 4.003 | 3.190 | 3.850 | 3.144 | 3.023 | 3.266 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.226 | 3.647 | ------ | ------ | 3.382 | 3.627 |
| 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 | 3.875 | 3.990 |
| APR | 4.371 | 3.655 | 4.216 | 3.669 | 3.896 | 3.995 |
| ******************************* 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 | 3.375 | 3.625 |
| >$417K | 4.500 | 4.000 | ------ | ------ | 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 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 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 | 3.000 | 3.250 |
| APR | 4.007 | 3.196 | 3.855 | 3.154 | 3.027 | 3.270 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.228 | 3.652 | ------ | ------ | 3.385 | 3.629 |
| 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 | 3.875 | 3.990 |
| APR | 4.282 | 3.662 | 4.221 | 3.679 | 3.900 | 3.999 |
| ******************************* 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 | 3.500 | 3.875 |
| >$417K | 4.500 | 4.000 | ------ | ------ | 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 | 3.750 | 4.125 | 3.750 | ------ | 4.250 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 |
| APR | 3.932 | 3.224 | 3.867 | 3.220 | 3.035 | 3.297 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.226 | 3.648 | ------ | ------ | 3.381 | 3.625 |
| 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 | 3.875 | 3.990 |
| APR | 4.287 | 3.600 | 4.190 | 3.645 | 3.908 | 4.027 |
| ******************************* 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 | ------ | 4.375 |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | 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 | 3.990 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.048 | 3.220 | 3.869 | 3.213 | 3.150 | 3.303 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.229 | 3.653 | ------ | ------ | 3.385 | 3.630 |
| 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 | 3.875 | 3.990 |
| APR | 4.296 | 3.686 | 4.202 | 3.714 | 3.928 | 4.040 |
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
