【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（08月22日 星期二)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3.75%，15年固定利率穩定在3.
000%，5/1 ARM降穩定至3.125%。購房貸款40萬左右，30年固定的利率穩定在3.625%，
15年固定利率穩定在2.875%，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 | 3.750 | 3.000 | 3.625 | 2.875 | 3.125 | 3.375 |
| >$417K | 3.950 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.000 | 3.625 | 3.750 |
| >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| 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 | 3.670 | 2.955 | 3.519 | 2.866 | 3.034 | 3.179 |
| >$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.250 |
| APR | 3.796 | 3.164 | 3.681 | 3.116 | 3.279 | 3.291 |
| Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.887 | 3.536 | 4.151 | ------ | 3.265 | 3.277 |
| 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 | 3.375 | 3.625 |
| APR | 4.130 | 3.456 | 3.924 | 3.466 | 3.411 | 3.662 |
| ******************************* 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 | 3.750 | 3.000 | 3.625 | 2.875 | 3.125 | 3.375 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.000 | 3.500 | 3.750 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.375 | 3.500 |
| 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 | 3.642 | 2.905 | 3.477 | 2.793 | 3.006 | 3.151 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.863 | 3.515 | 4.117 | ------ | 3.242 | 3.254 |
| 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 | 3.375 | 3.625 |
| APR | 4.101 | 3.405 | 3.884 | 3.392 | 3.384 | 3.634 |
| ******************************* 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 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.875 | 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 | 3.950 | 3.250 | 3.750 | 3.125 | 3.750 | 3.875 |
| >$417K | 4.625 | 4.125 | 4.375 | ------ | 3.625 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.635 | 2.911 | 3.420 | 2.803 | 3.010 | 3.155 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.866 | 3.520 | 4.121 | ------ | 3.244 | 3.257 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
| APR | 4.031 | 3.412 | 3.890 | 3.402 | 3.387 | 3.637 |
| ******************************* 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 | 3.875 | 3.250 | 3.750 | 3.000 | 3.500 | 3.750 |
| >$417K | 4.625 | 4.125 | 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 | 4.125 | 3.500 | 3.875 | 3.625 | ------ | 4.125 |
| >$417K | 4.625 | 4.125 | 4.375 | ------ | 3.625 | 3.500 |
| 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 | 3.640 | 2.919 | 3.507 | 2.815 | 3.034 | 3.179 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.877 | 3.527 | 4.122 | ------ | 3.240 | 3.253 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.250 | 3.375 | 3.750 |
| APR | 4.036 | 3.420 | 3.896 | 3.395 | 3.432 | 3.779 |
| ******************************* 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 | 4.000 | 3.375 | 3.875 | 3.250 | ------ | 4.125 |
| >$417K | 5.000 | 4.375 | 4.750 | ------ | 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 | 4.000 | 3.500 | ------ | ------ |
| >$417K | 5.000 | 4.375 | 4.750 | ------ | 3.750 | 3.750 |
| 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 | 3.649 | 2.935 | 3.519 | 2.837 | 3.033 | 3.178 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.881 | 3.535 | 4.122 | ------ | 3.245 | 3.257 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
| APR | 4.045 | 3.436 | 3.909 | 3.437 | 3.432 | 3.683 |
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
