【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（06月30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年固定利率穩定在3.875%，15年固定利率穩定在3.
125%，5/1 ARM穩定在3.375%。購房貸款40萬左右，30年固定的利率下降在3.750%，
15年固定利率穩定在3.000%，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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 3.625 |
| Jumbo | 4.000 | 3.625 | 4.375 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 3.990 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.625 |
| 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 | 3.125 | 3.250 |
| APR | 3.806 | 3.080 | 3.644 | 3.017 | 3.169 | 3.294 |
| >$417K | 3.875 | 3.125 | 3.750 | 3.250 | 3.500 | 3.500 |
| APR | 3.923 | 3.206 | 3.817 | 3.224 | 3.516 | 3.519 |
| Jumbo | 3.875 | 3.500 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.917 | 3.538 | 4.276 | ------ | 3.395 | 3.404 |
| 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 | 3.500 | 3.750 |
| APR | 4.182 | 3.581 | 4.035 | 3.519 | 3.537 | 3.787 |
| ******************************* 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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.777 | 3.039 | 3.602 | 2.944 | 3.141 | 3.266 |
| >$417K | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.977 | 3.532 | 4.242 | ------ | 3.377 | 3.381 |
| 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 | 3.500 | 3.750 |
| APR | 4.153 | 3.530 | 3.995 | 3.445 | 3.509 | 3.759 |
| ******************************* 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 | 3.950 | 3.250 | 3.750 | 3.125 | 3.625 | 3.750 |
| >$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 | 4.000 | 3.375 | 3.875 | 3.250 | 3.875 | 3.990 |
| >$417K | 4.250 | 4.125 | 4.500 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.771 | 3.045 | 3.540 | 2.951 | 3.145 | 3.270 |
| >$417K | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.980 | 3.537 | 4.246 | ------ | 3.380 | 3.383 |
| 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 | 3.500 | 3.750 |
| APR | 4.146 | 3.537 | 3.994 | 3.455 | 3.512 | 3.763 |
| ******************************* 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 | 3.750 | 3.990 |
| >$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 | 4.250 | 3.625 | 4.000 | 3.625 | ------ | 4.375 |
| >$417K | 4.250 | 4.125 | 4.500 | ------ | 3.750 | 3.750 |
| 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 | 3.125 | 3.250 |
| APR | 3.775 | 3.045 | 3.577 | 2.966 | 3.169 | 3.295 |
| >$417K | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.976 | 3.533 | 4.247 | ------ | 3.376 | 3.380 |
| 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 | 3.500 | 3.750 |
| APR | 4.151 | 3.545 | 4.007 | 3.467 | 3.557 | 3.808 |
| ******************************* 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 | ------ | 4.375 |
| >$417K | 4.375 | 4.375 | 4.875 | ------ | 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 | 3.625 | 4.000 | 3.500 | ------ | ------ |
| >$417K | 4.500 | 4.375 | 4.875 | ------ | 4.000 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.784 | 3.060 | 3.644 | 2.989 | 3.168 | 3.293 |
| >$417K | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.980 | 3.538 | 4.247 | ------ | 3.380 | 3.384 |
| 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 | 3.500 | 3.750 |
| APR | 4.160 | 3.561 | 4.019 | 3.490 | 3.558 | 3.809 |
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
