【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（02月13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4.000%，15年固定利率穩定至3.
250%，5/1 ARM穩定至3.250%。購房貸款40萬左右，30年固定的利率穩定至3.990%，
15年固定利率下降在3.250%，5/1 ARM穩定在2.990%.
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 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.750 | 3.990 |
| Jumbo | 4.250 | 3.750 | 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 | 4.125 | 3.375 | 4.000 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.500 | 3.875 | 4.125 | ------ | 3.750 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 4.039 | 3.186 | 3.793 | 3.200 | 3.045 | 3.288 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.625 |
| APR | 4.162 | 3.305 | 4.009 | 3.257 | 3.404 | 3.651 |
| Jumbo | 4.125 | 3.500 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.157 | 3.576 | 4.272 | ------ | 3.539 | 3.658 |
| 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 | 3.625 | 3.875 |
| APR | 4.307 | 3.599 | 4.175 | 3.564 | 3.657 | 3.907 |
| ******************************* 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 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.375 | 3.875 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.980 | 3.136 | 3.754 | 3.085 | 3.008 | 3.250 |
| >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.232 | 3.632 | 4.237 | ------ | 3.515 | 3.634 |
| 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 | 3.625 | 3.875 |
| APR | 4.278 | 3.548 | 4.134 | 3.491 | 3.628 | 3.878 |
| ******************************* 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 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.500 | 4.000 | 4.500 | ------ | 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 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.983 | 3.143 | 3.759 | 3.094 | 3.012 | 3.254 |
| >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.235 | 3.637 | 4.241 | ------ | 3.517 | 3.636 |
| 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 | 3.625 | 3.875 |
| APR | 4.271 | 3.555 | 4.140 | 3.501 | 3.632 | 3.882 |
| ******************************* 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 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.000 | 4.500 | ------ | 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 | 3.625 | 4.125 | 3.990 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 |
| APR | 3.921 | 3.206 | 3.792 | 3.118 | 3.038 | 3.281 |
| >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.233 | 3.633 | 4.241 | ------ | 3.513 | 3.632 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.375 | 3.625 | 3.875 |
| APR | 4.276 | 3.564 | 4.146 | 3.493 | 3.672 | 3.923 |
| ******************************* 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 | 3.375 | ------ | 3.990 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.500 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | ------ | ------ |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.500 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.000 | 3.250 |
| APR | 3.930 | 3.222 | 3.758 | 3.140 | 3.052 | 3.293 |
| >$417K | 4.250 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.235 | 3.638 | 4.241 | ------ | 3.518 | 3.637 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.375 | 3.625 | 3.875 |
| APR | 4.285 | 3.579 | 4.159 | 3.516 | 3.673 | 3.924 |
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
