【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（03月28日 星期二)開盤時的房貸利率價格和上個工作日相比略微上升
。目前重新貸款40萬左右的利率，30年固定利率穩定在4.125%，15年固定利率穩定在3.
250%，5/1 ARM上升在3.250%。購房貸款40萬左右，30年固定的利率穩定在3.950%，
15年固定利率穩定在3.250%，5/1 ARM上升在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 | 3.250 | 3.750 | 3.250 | 3.250 | 3.375 |
| >$417K | 4.250 | 3.375 | 4.125 | 3.375 | 3.750 | 4.000 |
| Jumbo | 4.250 | 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 | 3.500 | 3.875 | 3.375 | 3.500 | 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.000 | 3.250 |
| APR | 3.991 | 3.258 | 3.689 | 3.248 | 3.041 | 3.274 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.375 | 3.750 |
| APR | 4.168 | 3.389 | 4.020 | 3.279 | 3.421 | 3.784 |
| Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.155 | 3.675 | 4.272 | ------ | 3.541 | 3.659 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 3.750 | 3.875 |
| APR | 4.409 | 3.725 | 4.171 | 3.689 | 3.782 | 3.904 |
| ******************************* 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 | 3.250 | 3.125 | 3.375 |
| >$417K | 4.375 | 4.000 | 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 | 3.500 | 3.875 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.000 | 3.250 |
| APR | 3.960 | 3.208 | 3.647 | 3.132 | 3.009 | 3.247 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.231 | 3.737 | 4.237 | ------ | 3.517 | 3.637 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 3.500 | 3.875 |
| APR | 4.378 | 3.674 | 4.128 | 3.616 | 3.521 | 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 | 3.875 | 3.250 | 3.375 | 3.500 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.950 | 3.500 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.000 | 3.250 |
| APR | 3.957 | 3.214 | 3.643 | 3.142 | 3.013 | 3.250 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.234 | 3.741 | 4.241 | ------ | 3.520 | 3.639 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 3.750 | 3.875 |
| APR | 4.375 | 3.680 | 4.124 | 3.626 | 3.757 | 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 | 3.500 | 3.875 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 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 | 3.750 | 4.125 | 3.750 | 4.875 | 4.500 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.000 | 3.250 |
| APR | 3.980 | 3.223 | 3.674 | 3.208 | 3.021 | 3.275 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.232 | 3.738 | 4.241 | ------ | 3.516 | 3.635 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.297 | 3.689 | 4.155 | 3.619 | 3.790 | 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 | 3.625 | 4.125 | 3.500 | 4.875 | 4.750 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 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 | 3.875 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 4.750 | 4.500 | 4.750 | ------ | 4.375 | 4.375 |
| 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 | 3.000 | 3.250 |
| APR | 3.997 | 3.238 | 3.748 | 3.201 | 3.039 | 3.273 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.234 | 3.742 | 4.241 | ------ | 3.520 | 3.640 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.306 | 3.705 | 4.177 | 3.642 | 3.798 | 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
