【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（08月02日 星期三)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3.875%，15年固定利率穩定在3.
125%，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3.750%，
15年固定利率穩定在2.990%，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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.375 |
| >$417K | 3.990 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 |
| Jumbo | 4.000 | 3.625 | 4.375 | ------ | 3.500 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 |
| >$417K | 4.125 | 3.750 | 4.125 | ------ | 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 | 3.500 | 2.875 | 3.000 | 3.125 |
| APR | 3.785 | 3.089 | 3.536 | 2.965 | 3.043 | 3.179 |
| >$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.375 |
| APR | 3.900 | 3.173 | 3.768 | 3.109 | 3.271 | 3.403 |
| Jumbo | 3.875 | 3.375 | 4.250 | ------ | 3.250 | 3.375 |
| APR | 3.901 | 3.445 | 4.276 | ------ | 3.278 | 3.379 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.950 | 3.500 | 3.500 | 3.750 |
| APR | 4.161 | 3.563 | 4.023 | 3.564 | 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 | 3.625 | 3.000 | 3.250 | 3.375 |
| >$417K | 4.000 | 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 | 3.990 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 |
| >$417K | 4.000 | 3.750 | 4.375 | ------ | 3.500 | 3.500 |
| 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 | 3.000 | 3.125 |
| APR | 3.757 | 3.021 | 3.496 | 2.892 | 3.016 | 3.151 |
| >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 |
| APR | 3.877 | 3.507 | 4.242 | ------ | 3.265 | 3.356 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.950 | 3.500 | 3.500 | 3.750 |
| APR | 4.132 | 3.512 | 3.980 | 3.491 | 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 |
| >$417K | 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 | 4.000 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.250 | 4.000 | 4.500 | ------ | 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 | 3.500 | 2.750 | 3.000 | 3.125 |
| APR | 3.750 | 3.028 | 3.487 | 2.830 | 3.020 | 3.155 |
| >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 |
| APR | 3.880 | 3.512 | 4.246 | ------ | 3.268 | 3.359 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.950 | 3.500 | 3.500 | 3.750 |
| APR | 4.125 | 3.519 | 3.977 | 3.501 | 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 | 3.750 | 3.125 | 3.500 | 3.875 |
| >$417K | 4.250 | 3.875 | 4.500 | ------ | 3.625 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.950 | 3.625 | ------ | 4.250 |
| >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 |
| APR | 3.681 | 2.973 | 3.542 | 2.893 | 3.035 | 3.179 |
| >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 |
| APR | 3.876 | 3.508 | 4.247 | ------ | 3.264 | 3.355 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.500 | 3.750 |
| APR | 4.130 | 3.475 | 3.939 | 3.493 | 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 | 3.375 | 3.875 | 3.375 | ------ | 4.125 |
| >$417K | 4.375 | 4.500 | 4.875 | ------ | 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 | 3.625 | 4.000 | 3.500 | ------ | ------ |
| >$417K | 4.375 | 4.500 | 4.875 | ------ | 3.875 | 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 | 3.000 | 3.125 |
| APR | 3.764 | 3.024 | 3.550 | 2.936 | 3.043 | 3.178 |
| >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.375 |
| APR | 3.880 | 3.513 | 4.247 | ------ | 3.268 | 3.359 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.500 | 3.750 |
| APR | 4.139 | 3.543 | 3.952 | 3.516 | 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
