【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（03月20日 星期一)開盤時的房貸利率價格和上個工作日相比降低
。目前重新貸款40萬左右的利率，30年固定利率下降在4.125%，15年固定利率穩定在3.
375%，5/1 ARM下降至3.250%。購房貸款40萬左右，30年固定的利率下降在4.000%，
15年固定利率穩定在3.250%，5/1 ARM降低至3.000%.
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 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.500 | 4.125 | 3.375 | 3.750 | 3.750 |
| Jumbo | 4.375 | 3.875 | 4.500 | ------ | 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 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.250 | 4.000 | 4.500 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.375 |
| APR | 4.057 | 3.294 | 3.818 | 3.258 | 3.051 | 3.405 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 |
| APR | 4.164 | 3.396 | 4.050 | 3.318 | 3.653 | 3.780 |
| Jumbo | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.257 | 3.684 | 4.398 | ------ | 3.540 | 3.658 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.450 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 |
| APR | 4.511 | 3.832 | 4.287 | 3.743 | 3.907 | 4.032 |
| ******************************* 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 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.375 | 4.000 | 4.500 | ------ | 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 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 4.028 | 3.244 | 3.775 | 3.143 | 3.019 | 3.276 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.253 | 3.743 | 4.362 | ------ | 3.516 | 3.634 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.450 | 3.750 | 4.250 | 3.625 | 3.875 | 3.990 |
| APR | 4.470 | 3.780 | 4.244 | 3.669 | 3.878 | 4.017 |
| ******************************* 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 | 3.375 | 3.950 | 3.375 | 3.375 | 3.625 |
| >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 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 | 3.500 | 3.625 | 3.875 |
| >$417K | 4.625 | 4.250 | 4.625 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 4.021 | 3.250 | 3.772 | 3.153 | 3.023 | 3.280 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.256 | 3.748 | 4.366 | ------ | 3.518 | 3.637 |
| 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 | 3.990 |
| APR | 4.407 | 3.787 | 4.240 | 3.679 | 3.882 | 4.021 |
| ******************************* 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 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.250 | 4.625 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | 4.250 |
| >$417K | 4.625 | 4.375 | 4.625 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.375 |
| APR | 4.026 | 3.259 | 3.802 | 3.219 | 3.031 | 3.384 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.254 | 3.744 | 4.366 | ------ | 3.514 | 3.633 |
| 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 | 3.875 | 4.000 |
| APR | 4.412 | 3.726 | 4.272 | 3.645 | 3.894 | 4.042 |
| ******************************* 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 | 3.625 | 4.250 | 3.500 | 4.375 | 4.250 |
| >$417K | 4.625 | 4.625 | 4.875 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 4.750 | 4.625 |
| >$417K | 4.750 | 4.625 | 4.875 | ------ | 4.375 | 4.375 |
| 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 | 3.000 | 3.375 |
| APR | 4.035 | 3.274 | 3.884 | 3.212 | 3.050 | 3.403 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.257 | 3.749 | 4.366 | ------ | 3.519 | 3.637 |
| 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 | 4.000 |
| APR | 4.421 | 3.811 | 4.296 | 3.714 | 3.924 | 4.049 |
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
