【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（02月28日 星期二)開盤時的房貸利率價格和上個工作日相比持平
。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穩定在3.125%。購房貸款40萬左右，30年固定的利率穩定在3.875%，
15年固定利率穩定在3.125%，5/1 ARM上升至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 | 3.750 | 3.250 | 3.125 | 3.375 |
| >$417K | 4.200 | 3.375 | 4.000 | 3.250 | 3.750 | 3.875 |
| Jumbo | 4.250 | 3.750 | 4.250 | ------ | 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 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 3.875 | 4.250 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 |
| APR | 3.931 | 3.223 | 3.754 | 3.143 | 3.039 | 3.279 |
| >$417K | 4.050 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| APR | 4.091 | 3.288 | 3.926 | 3.262 | 3.421 | 3.641 |
| Jumbo | 4.125 | 3.500 | 4.125 | ------ | 3.500 | 3.625 |
| APR | 4.139 | 3.576 | 4.147 | ------ | 3.532 | 3.653 |
| 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 | 3.750 |
| APR | 4.297 | 3.581 | 4.146 | 3.519 | 3.657 | 3.782 |
| ******************************* 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 | 3.750 | 3.125 | 3.125 | 3.375 |
| >$417K | 4.375 | 3.875 | 4.250 | ------ | 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 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 3.875 | 4.250 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.875 | 3.125 |
| APR | 3.902 | 3.171 | 3.711 | 3.070 | 2.896 | 3.148 |
| >$417K | 4.125 | 3.625 | 4.125 | ------ | 3.500 | 3.625 |
| APR | 4.135 | 3.633 | 4.112 | ------ | 3.508 | 3.628 |
| 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 | 3.750 |
| APR | 4.267 | 3.530 | 4.103 | 3.445 | 3.628 | 3.753 |
| ******************************* 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 | 3.250 | 3.500 |
| >$417K | 4.375 | 4.000 | 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 | 4.125 | 3.375 | 3.950 | 3.375 | 3.625 | 3.750 |
| >$417K | 4.500 | 4.000 | 4.375 | ------ | 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 | 3.625 | 3.000 | 2.875 | 3.125 |
| APR | 3.896 | 3.178 | 3.658 | 3.079 | 2.900 | 3.152 |
| >$417K | 4.125 | 3.625 | 4.125 | ------ | 3.500 | 3.625 |
| APR | 4.138 | 3.638 | 4.116 | ------ | 3.511 | 3.631 |
| 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 | 3.750 |
| APR | 4.261 | 3.537 | 4.099 | 3.455 | 3.632 | 3.757 |
| ******************************* 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 | 3.950 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 4.000 | 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 | 4.250 | 3.625 | 4.000 | 3.625 | 4.125 | 3.990 |
| >$417K | 4.500 | 4.125 | 4.375 | ------ | 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 | 3.625 | 3.000 | 2.875 | 3.250 |
| APR | 3.901 | 3.188 | 3.688 | 3.091 | 2.908 | 3.269 |
| >$417K | 4.125 | 3.625 | 4.125 | ------ | 3.500 | 3.625 |
| APR | 4.136 | 3.634 | 4.116 | ------ | 3.507 | 3.627 |
| 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 | 4.266 | 3.545 | 4.130 | 3.467 | 3.672 | 3.896 |
| ******************************* 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 | 4.125 | 4.125 |
| >$417K | 4.625 | 4.375 | 4.625 | ------ | 4.250 | 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 | 4.125 | 3.500 | ------ | 4.500 |
| >$417K | 4.625 | 4.375 | 4.625 | ------ | 4.250 | 4.250 |
| 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 | 3.909 | 3.203 | 3.763 | 3.114 | 3.044 | 3.286 |
| >$417K | 4.125 | 3.625 | 4.125 | ------ | 3.500 | 3.625 |
| APR | 4.139 | 3.639 | 4.116 | ------ | 3.511 | 3.631 |
| 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 | 3.750 |
| APR | 4.275 | 3.561 | 4.130 | 3.490 | 3.673 | 3.798 |
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
