【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（03月06日 星期一)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4.125%，15年固定利率穩定至3.
250%，5/1 ARM穩定在3.250%。購房貸款40萬左右，30年固定的利率穩定在4.000%，
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 | 4.125 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.375 | 4.125 | 3.375 | 3.875 | 4.000 |
| Jumbo | 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 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 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 | 3.875 | 3.125 | 3.125 | 3.375 |
| APR | 4.046 | 3.258 | 3.872 | 3.235 | 3.159 | 3.409 |
| >$417K | 4.125 | 3.375 | 4.125 | 3.250 | 3.625 | 3.750 |
| APR | 4.156 | 3.388 | 4.126 | 3.319 | 3.658 | 3.789 |
| Jumbo | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.750 |
| APR | 4.265 | 3.815 | 4.398 | ------ | 3.647 | 3.766 |
| 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 | 4.433 | 3.725 | 4.259 | 3.644 | 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 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.375 | 4.125 | 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 | 4.250 | 3.375 | 3.950 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.375 | 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 | 3.990 | 3.250 | 3.875 | 3.125 | 3.125 | 3.375 |
| APR | 4.018 | 3.208 | 3.829 | 3.132 | 3.131 | 3.379 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.750 |
| APR | 4.240 | 3.906 | 4.362 | ------ | 3.623 | 3.742 |
| 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 | 3.875 |
| APR | 4.403 | 3.674 | 4.216 | 3.570 | 3.878 | 3.874 |
| ******************************* 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 | 3.950 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.875 | 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 | 4.250 | 3.500 | 4.125 | 3.375 | 3.750 | 3.875 |
| >$417K | 4.875 | 4.250 | 4.625 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 3.125 | 3.375 |
| APR | 4.022 | 3.214 | 3.783 | 3.142 | 3.135 | 3.383 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.750 |
| APR | 4.243 | 3.910 | 4.366 | ------ | 3.625 | 3.744 |
| 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 | 4.396 | 3.680 | 4.213 | 3.580 | 3.882 | 4.007 |
| ******************************* 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 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 |
| >$417K | 4.875 | 4.375 | 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 | 3.750 | 4.125 | 3.750 | ------ | 4.375 |
| >$417K | 4.875 | 4.375 | 4.625 | ------ | 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 | 3.750 | 3.125 | 3.125 | 3.375 |
| APR | 4.015 | 3.223 | 3.813 | 3.208 | 3.145 | 3.401 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.750 |
| APR | 4.238 | 3.903 | 4.366 | ------ | 3.621 | 3.740 |
| 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 | 3.875 | 4.000 |
| APR | 4.401 | 3.689 | 4.205 | 3.592 | 3.915 | 4.048 |
| ******************************* 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 | 4.125 | 3.500 | ------ | 4.500 |
| >$417K | 5.125 | 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 | 3.750 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 5.125 | 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 | 3.125 | 3.375 |
| APR | 4.024 | 3.238 | 3.881 | 3.201 | 3.158 | 3.408 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.750 |
| APR | 4.243 | 3.911 | 4.366 | ------ | 3.626 | 3.745 |
| 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 | 4.410 | 3.705 | 4.255 | 3.615 | 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
