【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（03月10日 星期五)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4.25%，15年固定利率穩定在3.
375%，5/1 ARM上升至3.3750%。購房貸款40萬左右，30年固定的利率穩定在4.125%，
15年固定利率穩定在3.250%，5/1 ARM穩定至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 | 4.250 | 3.375 | 4.000 | 3.250 | 3.375 | 3.500 |
| >$417K | 4.375 | 3.500 | 4.250 | 3.500 | 3.875 | 4.000 |
| Jumbo | 4.500 | 3.750 | 4.625 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 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 |
| >$417K | 4.625 | 4.125 | 4.625 | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.150 | 3.312 | 3.980 | 3.261 | 3.169 | 3.409 |
| >$417K | 4.200 | 3.375 | 4.125 | 3.375 | 3.625 | 3.875 |
| APR | 4.248 | 3.454 | 4.189 | 3.463 | 3.672 | 3.897 |
| Jumbo | 4.250 | 3.500 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.290 | 3.535 | 4.523 | ------ | 3.658 | 3.776 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.750 | 4.125 |
| APR | 4.526 | 3.850 | 4.329 | 3.769 | 3.798 | 4.158 |
| ******************************* 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 | 4.250 | 3.375 | 4.000 | 3.250 | 3.375 | 3.500 |
| >$417K | 4.500 | 3.875 | 4.625 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 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 | 3.750 |
| >$417K | 4.500 | 4.000 | 4.625 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.121 | 3.262 | 3.937 | 3.188 | 3.141 | 3.382 |
| >$417K | 4.375 | 3.500 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.368 | 3.529 | 4.487 | ------ | 3.634 | 3.753 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.125 |
| APR | 4.496 | 3.799 | 4.289 | 3.695 | 3.878 | 4.128 |
| ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.625 | 4.125 | 4.750 | ------ | 4.125 | 4.125 |
| 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 | 3.750 | 3.875 |
| >$417K | 4.625 | 4.250 | 4.750 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.125 | 3.375 |
| APR | 4.115 | 3.268 | 3.909 | 3.198 | 3.145 | 3.385 |
| >$417K | 4.375 | 3.500 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.371 | 3.534 | 4.491 | ------ | 3.637 | 3.755 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.125 |
| APR | 4.490 | 3.806 | 4.294 | 3.705 | 3.882 | 4.132 |
| ******************************* 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 | 3.500 | 4.125 | 3.500 | 3.625 | 3.750 |
| >$417K | 4.625 | 4.125 | 4.750 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.250 | 3.875 | ------ | 4.500 |
| >$417K | 4.625 | 4.375 | 4.750 | ------ | 4.125 | 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 | 3.250 | 3.125 | 3.375 |
| APR | 4.057 | 3.277 | 3.939 | 3.210 | 3.156 | 3.405 |
| >$417K | 4.375 | 3.500 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.369 | 3.530 | 4.491 | ------ | 3.633 | 3.751 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | 3.875 | 4.125 |
| APR | 4.433 | 3.814 | 4.301 | 3.717 | 3.916 | 4.162 |
| ******************************* 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 | 3.750 | 4.250 | 3.625 | 4.750 | 4.625 |
| >$417K | 4.750 | 4.625 | 5.000 | ------ | 4.375 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ |
| >$417K | 4.875 | 4.625 | 5.000 | ------ | 4.500 | 4.375 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.125 | 3.375 |
| APR | 4.129 | 3.292 | 3.941 | 3.233 | 3.168 | 3.408 |
| >$417K | 4.375 | 3.500 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.372 | 3.534 | 4.491 | ------ | 3.637 | 3.756 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.125 |
| APR | 4.504 | 3.830 | 4.313 | 3.740 | 3.924 | 4.175 |
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
