【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（05月12日 星期五)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4.000%，15年固定利率穩定在3.
250%，5/1 ARM穩定到3.375%。購房貸款40萬左右，30年固定的利率穩定在3.95%，
15年固定利率上升到3.250%，5/1 ARM穩定在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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 |
| Jumbo | 4.250 | 3.875 | 4.500 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.500 | 3.875 | 4.125 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.900 | 3.169 | 3.660 | 3.090 | 3.159 | 3.304 |
| >$417K | 4.050 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 |
| APR | 4.098 | 3.257 | 3.880 | 3.213 | 3.530 | 3.536 |
| Jumbo | 4.125 | 3.750 | 4.375 | ------ | 3.375 | 3.500 |
| APR | 4.156 | 3.798 | 4.398 | ------ | 3.415 | 3.526 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.750 | 4.000 |
| APR | 4.276 | 3.581 | 4.078 | 3.519 | 3.782 | 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 |
| >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.871 | 3.119 | 3.618 | 3.017 | 3.130 | 3.276 |
| >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 |
| APR | 4.131 | 3.852 | 4.362 | ------ | 3.391 | 3.502 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.750 | 4.000 |
| APR | 4.246 | 3.530 | 4.038 | 3.445 | 3.753 | 4.003 |
| ******************************* 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 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.625 | 4.250 | 4.625 | ------ | 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 | 3.875 | 3.250 | 3.750 | 3.875 |
| >$417K | 4.875 | 4.250 | 4.625 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.865 | 3.125 | 3.615 | 3.027 | 3.133 | 3.280 |
| >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 |
| APR | 4.133 | 3.857 | 4.366 | ------ | 3.393 | 3.505 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.750 | 4.000 |
| APR | 4.240 | 3.537 | 4.034 | 3.455 | 3.757 | 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.875 | 4.375 | 4.625 | ------ | 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 | 3.625 | 4.125 | 3.625 | 4.250 | 4.375 |
| >$417K | 4.875 | 4.375 | 4.625 | ------ | 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 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.870 | 3.081 | 3.645 | 3.019 | 3.142 | 3.305 |
| >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 |
| APR | 4.129 | 3.850 | 4.366 | ------ | 3.389 | 3.501 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.750 | 4.000 |
| APR | 4.172 | 3.545 | 4.050 | 3.467 | 3.798 | 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 | 4.125 | 3.500 | 4.000 | 3.375 | 4.250 | 4.375 |
| >$417K | 5.125 | 4.625 | 4.875 | ------ | 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 | 3.625 | 4.125 | 3.500 | 4.625 | 4.625 |
| >$417K | 5.125 | 4.625 | 4.875 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.878 | 3.096 | 3.669 | 3.061 | 3.158 | 3.303 |
| >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.375 | 3.500 |
| APR | 4.134 | 3.858 | 4.366 | ------ | 3.394 | 3.505 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.750 | 4.000 |
| APR | 4.181 | 3.561 | 4.063 | 3.490 | 3.798 | 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
