【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（08月29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3.750%，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2.875%.
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 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$417K | 3.875 | 3.125 | 3.750 | ------ | 3.500 | 3.625 |
| Jumbo | 3.875 | 3.500 | 4.250 | ------ | 3.250 | 3.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.625 | 3.750 |
| >$417K | 4.250 | 3.750 | 4.000 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.640 | 2.919 | 3.401 | 2.840 | 2.928 | 3.169 |
| >$417K | 3.750 | 3.000 | 3.625 | ------ | 3.250 | 3.375 |
| APR | 3.766 | 3.073 | 3.655 | ------ | 3.277 | 3.402 |
| Jumbo | 3.750 | 3.250 | 4.125 | ------ | 3.000 | 3.125 |
| APR | 3.768 | 3.319 | 4.151 | ------ | 3.039 | 3.147 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.750 | 3.375 | 3.375 | 3.625 |
| APR | 4.046 | 3.437 | 3.813 | 3.439 | 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 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$417K | 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 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
| >$417K | 4.000 | 3.625 | 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 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.611 | 2.869 | 3.359 | 2.767 | 2.901 | 3.141 |
| >$417K | 3.750 | 3.375 | 4.125 | ------ | 3.125 | 3.125 |
| APR | 3.759 | 3.376 | 4.117 | ------ | 3.130 | 3.144 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.750 | 3.375 | 3.375 | 3.625 |
| APR | 4.017 | 3.387 | 3.771 | 3.366 | 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 | 3.750 | 3.125 | 3.500 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.000 | 3.750 | 4.375 | ------ | 3.625 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.625 | 3.125 | 3.750 | 3.750 |
| >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.605 | 2.875 | 3.356 | 2.777 | 2.904 | 3.145 |
| >$417K | 3.750 | 3.375 | 4.125 | ------ | 3.125 | 3.125 |
| APR | 3.761 | 3.381 | 4.121 | ------ | 3.132 | 3.146 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.750 | 3.375 | 3.375 | 3.625 |
| APR | 4.011 | 3.394 | 3.767 | 3.376 | 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 | 3.750 | 3.125 | 3.625 | 3.000 | 3.875 | 3.750 |
| >$417K | 4.000 | 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 | 4.000 | 3.500 | 3.750 | 3.500 | ------ | 4.125 |
| >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.500 | 2.750 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.545 | 2.848 | 3.393 | 2.789 | 2.928 | 3.169 |
| >$417K | 3.750 | 3.375 | 4.125 | ------ | 3.125 | 3.125 |
| APR | 3.765 | 3.377 | 4.122 | ------ | 3.130 | 3.145 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.375 | 3.625 |
| APR | 3.932 | 3.350 | 3.805 | 3.269 | 3.432 | 3.683 |
| ******************************* 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 | 3.875 | 3.250 | 3.750 | 3.125 | ------ | 4.000 |
| >$417K | 4.250 | 3.875 | 4.750 | ------ | 4.250 | 4.000 |
| 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 | ------ | 4.500 |
| >$417K | 4.250 | 4.125 | 4.750 | ------ | 4.250 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.500 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.554 | 2.899 | 3.416 | 2.811 | 2.927 | 3.168 |
| >$417K | 3.750 | 3.375 | 4.125 | ------ | 3.125 | 3.125 |
| APR | 3.767 | 3.382 | 4.122 | ------ | 3.133 | 3.147 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.375 | 3.625 |
| APR | 4.024 | 3.418 | 3.812 | 3.391 | 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
