【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（04月14日 星期五)開盤時的房貸利率價格和上個工作日相比略微下降
。目前重新貸款40萬左右的利率，30年固定利率下降到3.950%，15年固定利率穩定在3.
250%，5/1 ARM穩定在3.125%。購房貸款40萬左右，30年固定的利率上升到3.875%，
15年固定利率穩定在3.000%，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 3.950 3.250 3.625 3.000 3.125 3.375
>$417K 4.125 3.250 3.875 3.250 3.625 3.750
Jumbo 4.125 3.625 4.250 ------ 3.500 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.625 3.625
>$417K 4.250 3.750 4.250 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.500 2.875 3.000 3.250
APR 3.890 3.098 3.563 2.972 3.034 3.274
>$417K 3.990 3.250 3.750 3.125 3.250 3.500
APR 4.037 3.237 3.793 3.192 3.295 3.538
Jumbo 4.000 3.500 4.125 ----- 3.375 3.500
APR 4.034 3.545 4.147 ----- 3.406 3.514
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.182 3.544 3.994 3.492 3.657 3.782
******************************** 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 4.000 3.250 3.750 3.250 3.625 3.625
>$417K 4.375 4.000 4.375 ----- 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.875 3.500 4.875 4.125
>$417K 4.375 4.125 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 2.875 3.000 3.250
APR 3.786 3.063 3.548 2.918 3.034 3.268
>$417K 4.125 3.625 4.125 ------ 3.375 3.500
APR 4.092 3.607 4.116 ------ 3.380 3.489
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.950 3.375 3.625 3.750
APR 4.151 3.475 3.979 3.440 3.672 3.798
******************************** 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 3.950 3.250 3.625 3.000 3.125 3.375
>$417K 4.125 3.750 4.250 ----- 3.625 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.625 3.625
>$417K 4.250 3.875 4.250 ----- 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.500 2.875 3.000 3.250
APR 3.861 3.048 3.521 2.887 3.006 3.247
>$417K 4.125 3.625 4.125 ------ 3.325 3.500
APR 4.093 3.606 4.112 ------ 3.382 3.490
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.153 3.494 3.951 3.419 3.628 3.760
******************************** 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 4.000 3.250 3.750 3.125 3.250 3.500
>$417K 4.375 4.000 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.750 3.250 3.750 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 3.750 3.000 3.500 2.875 3.000 3.250
APR 3.781 3.054 3.517 2.897 3.010 3.250
>$417K 4.125 3.625 4.125 ------ 3.375 3.500
APR 4.096 3.611 4.116 ------ 3.384 3.493
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.146 3.500 3.948 3.428 3.632 3.757
******************************** 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 4.125 3.375 3.950 3.375 4.875 4.125
>$417K 4.500 4.375 4.625 ------ 4.125 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 3.500 ----- ------
>$417K 4.625 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 3.750 3.000 3.625 2.875 3.000 3.250
APR 3.794 3.078 3.618 2.968 3.033 3.273
>$417K 4.125 3.625 4.125 ------ 3.375 3.500
APR 4.096 3.611 4.116 ------ 3.385 3.493
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.160 3.524 4.003 3.463 3.673 3.798
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
