【奇虎房貸問答】
沒有最低，隻有更低！
SUMMARY：今天（08月30日 星期三)開盤時的房貸利率價格和上個工作日相比稍差。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上升至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 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$417K | 3.875 | 3.125 | 3.750 | ------ | 3.500 | 3.625 |
| Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 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 | 3.625 | 3.750 |
| >$417K | 4.250 | 3.750 | 4.125 | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.660 | 2.937 | 3.433 | 2.866 | 3.034 | 3.179 |
| >$417K | 3.750 | 3.125 | 3.625 | ------ | 3.250 | 3.375 |
| APR | 3.784 | 3.142 | 3.680 | ------ | 3.285 | 3.412 |
| Jumbo | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.125 |
| APR | 3.779 | 3.395 | 4.026 | ------ | 3.145 | 3.163 |
| 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 | 3.500 |
| APR | 4.057 | 3.456 | 3.914 | 3.466 | 3.411 | 3.537 |
| ******************************* 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 | 4.125 | ------ | 3.375 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
| >$417K | 4.000 | 3.750 | 4.125 | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 2.990 | 3.125 |
| APR | 3.632 | 2.887 | 3.391 | 2.793 | 3.020 | 3.151 |
| >$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
| APR | 3.769 | 3.389 | 3.993 | ------ | 3.142 | 3.251 |
| 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 | 3.500 |
| APR | 4.028 | 3.405 | 3.872 | 3.392 | 3.384 | 3.509 |
| ******************************* 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 | 3.625 | 3.000 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
| 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 | 3.125 | 3.750 | 3.750 |
| >$417K | 4.125 | 3.875 | 4.250 | ------ | 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 | 2.990 | 3.125 |
| APR | 3.625 | 2.893 | 3.388 | 2.803 | 3.023 | 3.155 |
| >$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
| APR | 3.771 | 3.394 | 3.996 | ------ | 3.145 | 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 | 3.375 | 3.375 | 3.500 |
| APR | 4.021 | 3.412 | 3.868 | 3.402 | 3.387 | 3.512 |
| ******************************* 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 | 3.125 | 3.625 | 3.000 | 3.875 | 3.875 |
| >$417K | 4.125 | 3.750 | 4.250 | ------ | 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 | 3.625 | 3.875 | 3.500 | ------ | 4.125 |
| >$417K | 4.125 | 3.875 | 4.250 | ------ | 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 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.630 | 2.902 | 3.425 | 2.815 | 3.034 | 3.179 |
| >$417K | 3.875 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
| APR | 3.860 | 3.390 | 3.997 | ------ | 3.143 | 3.252 |
| 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 | 3.500 |
| APR | 4.026 | 3.420 | 3.828 | 3.395 | 3.432 | 3.557 |
| ******************************* 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 | 3.750 | 3.250 | ------ | 4.125 |
| >$417K | 4.250 | 4.000 | 4.625 | ------ | 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 | 3.500 | ------ | 4.500 |
| >$417K | 4.250 | 4.375 | 4.625 | ------ | 4.250 | 4.125 |
| 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 | 3.639 | 2.917 | 3.449 | 2.837 | 3.033 | 3.178 |
| >$417K | 3.875 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
| APR | 3.863 | 3.395 | 3.997 | ------ | 3.145 | 3.254 |
| 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 | 3.500 |
| APR | 4.035 | 3.436 | 3.894 | 3.437 | 3.432 | 3.558 |
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
