【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（07月10日 星期一)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4.000%，15年固定利率穩定在3.
25%，5/1 ARM下降在3.500%。購房貸款40萬左右，30年固定的利率穩定在3.875%，15年
固定利率穩定在3.125%，5/1 ARM穩定在3.125%.
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 | 3.500 | 3.500 |
| >$417K | 4.125 | 3.375 | 4.125 | 3.375 | 3.750 | 3.750 |
| Jumbo | 4.125 | 3.750 | 4.375 | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.750 | 3.990 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 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 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.910 | 3.187 | 3.576 | 3.002 | 3.179 | 3.304 |
| >$417K | 3.950 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
| APR | 3.992 | 3.272 | 3.936 | 3.253 | 3.532 | 3.641 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.042 | 3.698 | 4.276 | ------ | 3.518 | 3.525 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.500 | 3.625 | 3.875 |
| APR | 4.297 | 3.688 | 4.041 | 3.603 | 3.662 | 3.912 |
| ******************************* 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 | 3.375 | 3.500 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.750 | 3.990 |
| >$417K | 4.250 | 4.000 | 4.375 | ------ | 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 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.882 | 3.127 | 3.522 | 2.903 | 3.151 | 3.276 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.018 | 3.710 | 4.242 | ------ | 3.494 | 3.502 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.375 | 3.625 | 3.875 |
| APR | 4.267 | 3.628 | 3.987 | 3.442 | 3.634 | 3.884 |
| ******************************* 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 | 3.625 | 3.875 |
| >$417K | 4.375 | 4.000 | 4.500 | ------ | 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 | 3.500 | 3.875 | 3.375 | 3.875 | 4.125 |
| >$417K | 4.875 | 4.250 | 4.500 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.875 | 3.134 | 3.527 | 2.912 | 3.155 | 3.280 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.020 | 3.715 | 4.246 | ------ | 3.497 | 3.504 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.375 | 3.625 | 3.875 |
| APR | 4.261 | 3.635 | 3.992 | 3.452 | 3.637 | 3.888 |
| ******************************* 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 | 3.875 | 3.250 | 3.750 | 4.000 |
| >$417K | 4.875 | 4.250 | 4.500 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | 4.875 |
| >$417K | 4.875 | 4.250 | 4.500 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.880 | 3.099 | 3.578 | 3.005 | 3.179 | 3.305 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.016 | 3.751 | 4.247 | ------ | 3.493 | 3.501 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.375 | 3.625 | 3.875 |
| APR | 4.266 | 3.600 | 4.043 | 3.520 | 3.683 | 3.933 |
| ******************************* 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 | 3.500 | 4.000 | 3.375 | ------ | 4.500 |
| >$417K | 5.250 | 4.500 | 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 | 4.375 | 3.750 | 4.125 | 3.625 | ------ | ------ |
| >$417K | 5.250 | 4.500 | 4.875 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.500 | 2.875 | 3.125 | 3.250 |
| APR | 3.889 | 3.167 | 3.586 | 3.020 | 3.178 | 3.303 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.021 | 3.759 | 4.247 | ------ | 3.497 | 3.505 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.500 | 3.625 | 3.875 |
| APR | 4.275 | 3.668 | 4.051 | 3.588 | 3.683 | 3.934 |
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
