【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（02月15日 星期三)開盤時的房貸利率價格和上個工作日相比上漲
。目前重新貸款40萬左右的利率，30年固定利率上漲在4.125%，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年固定的利率上漲至4.000%，
15年固定利率穩定在3.250%，5/1 ARM上漲在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 | 3.950 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.375 | 3.375 | 4.125 | 3.375 | 3.625 | 3.990 |
| Jumbo | 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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 3.875 | 4.375 | ------ | 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 | 3.125 | 3.125 | 3.250 |
| APR | 4.036 | 3.240 | 3.890 | 3.240 | 3.149 | 3.304 |
| >$417K | 4.200 | 3.375 | 4.000 | 3.250 | 3.500 | 3.750 |
| APR | 4.226 | 3.380 | 4.054 | 3.323 | 3.538 | 3.777 |
| Jumbo | 4.250 | 3.625 | 4.250 | ------ | 3.625 | 3.750 |
| APR | 4.261 | 3.697 | 4.272 | ------ | 3.646 | 3.771 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.625 | 3.875 |
| APR | 4.422 | 3.706 | 4.267 | 3.617 | 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 | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.500 | 4.000 | 4.375 | ------ | 3.750 | 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 | 4.000 | 4.375 | ------ | 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 | 3.125 | 3.125 | 3.250 |
| APR | 4.007 | 3.190 | 3.848 | 3.125 | 3.122 | 3.274 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.625 | 3.750 |
| APR | 4.257 | 3.755 | 4.237 | ------ | 3.621 | 3.754 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.625 | 3.875 |
| APR | 4.393 | 3.655 | 4.224 | 3.544 | 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 | 3.375 | 3.950 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 4.125 |
| 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 | 3.375 | 3.750 | 3.990 |
| >$417K | 4.625 | 4.125 | 4.500 | ------ | 3.875 | 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 | 3.125 | 3.125 | 3.250 |
| APR | 4.000 | 3.196 | 3.844 | 3.134 | 3.125 | 3.278 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.625 | 3.750 |
| APR | 4.260 | 3.760 | 4.241 | ------ | 3.624 | 3.756 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.625 | 3.875 |
| APR | 4.386 | 3.662 | 4.221 | 3.553 | 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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.125 |
| 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 | ------ | 4.375 |
| >$417K | 4.625 | 4.250 | 4.500 | ------ | 3.875 | 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 | 3.125 | 3.125 | 3.250 |
| APR | 4.005 | 3.205 | 3.875 | 3.201 | 3.149 | 3.305 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.625 | 3.750 |
| APR | 4.258 | 3.756 | 4.241 | ------ | 3.624 | 3.752 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 |
| APR | 4.391 | 3.600 | 4.190 | 3.566 | 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 | 4.375 | 3.500 | 4.125 | 3.500 | ------ | 4.375 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.500 | 4.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 4.750 | 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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.014 | 3.220 | 3.894 | 3.194 | 3.148 | 3.303 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.625 | 3.750 |
| APR | 4.261 | 3.761 | 4.241 | ------ | 3.624 | 3.757 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 |
| APR | 4.400 | 3.686 | 4.202 | 3.588 | 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
