【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（03月29日 星期三 )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穩定在3.250%。購房貸款40萬左右，30年固定的利率上升在4.000%，
15年固定利率穩定在3.250%，5/1 ARM穩定在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 | 3.875 | 3.250 | 3.250 | 3.375 |
| >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.375 | 3.875 |
| Jumbo | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 3.950 | 3.375 | 3.375 | 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 4.025 | 3.240 | 3.778 | 3.236 | 3.038 | 3.274 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.375 | 3.625 |
| APR | 4.145 | 3.380 | 4.010 | 3.267 | 3.421 | 3.671 |
| Jumbo | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.272 | 3.807 | 4.272 | ------ | 3.526 | 3.647 |
| 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 | 3.750 | 3.875 |
| APR | 4.411 | 3.706 | 4.204 | 3.644 | 3.782 | 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 | 3.125 | 3.375 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 3.950 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 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 | 3.996 | 3.190 | 3.735 | 3.121 | 3.006 | 3.247 |
| >$417K | 4.250 | 3.875 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.247 | 3.896 | 4.237 | ------ | 3.502 | 3.623 |
| 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 | 3.750 | 3.875 |
| APR | 4.382 | 3.655 | 4.163 | 3.570 | 3.753 | 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 | 3.250 | 3.500 |
| >$417K | 4.750 | 4.125 | 4.500 | ------ | 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 | 3.500 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.750 | 4.125 | 4.500 | ------ | 3.875 | 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 | 3.990 | 3.196 | 3.732 | 3.130 | 3.009 | 3.250 |
| >$417K | 4.250 | 3.875 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.250 | 3.900 | 4.241 | ------ | 3.505 | 3.625 |
| 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 | 3.750 | 3.875 |
| APR | 4.375 | 3.662 | 4.162 | 3.580 | 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 | 3.375 | 3.950 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.750 | 4.250 | 4.500 | ------ | 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 | 3.750 | 4.125 | 3.625 | ------ | 4.375 |
| >$417K | 4.750 | 4.250 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 3.932 | 3.205 | 3.762 | 3.196 | 3.017 | 3.275 |
| >$417K | 4.250 | 3.875 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.246 | 3.895 | 4.241 | ------ | 3.501 | 3.621 |
| 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 | 3.670 | 4.175 | 3.592 | 3.786 | 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 | ------ | 4.500 |
| >$417K | 5.000 | 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 | 3.750 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.250 |
| 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 | 4.004 | 3.220 | 3.786 | 3.190 | 3.036 | 3.273 |
| >$417K | 4.250 | 3.875 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.251 | 3.901 | 4.241 | ------ | 3.505 | 3.626 |
| 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 | 3.686 | 4.188 | 3.615 | 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
