【奇虎房貸問答】
沒有最低，隻有更低！
正文
SUMMARY：今天（09月11日 星期一)開盤時的房貸利率價格和上個工作日相比基本持平.
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 $424K, High-Balance Loan $636K, 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 | |
| <=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$424K | 3.950 | 3.250 | 3.950 | ------ | 3.500 | 3.625 |
| Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.625 | 3.750 |
| >$424K | 4.375 | 3.750 | 4.250 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.500 | 2.750 | 2.875 | 3.125 |
| APR | 3.650 | 2.937 | 3.506 | 2.866 | 2.928 | 3.169 |
| >$424K | 3.750 | 3.125 | 3.750 | ------ | 3.250 | 3.375 |
| APR | 3.792 | 3.161 | 3.808 | ------ | 3.286 | 3.412 |
| Jumbo | 3.750 | 3.500 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 3.773 | 3.504 | 4.151 | ------ | 3.398 | 3.648 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
| APR | 4.046 | 3.456 | 3.896 | 3.466 | 3.411 | 3.662 |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | |
| <=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$424K | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.750 |
| >$424K | 4.375 | 3.875 | 4.250 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.621 | 2.887 | 3.415 | 2.793 | 2.901 | 3.141 |
| >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 3.748 | 3.461 | 4.117 | ------ | 3.375 | 3.625 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
| APR | 4.017 | 3.405 | 3.856 | 3.392 | 3.384 | 3.634 |
| ******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | |
| <=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
| >$424K | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 3.750 | 3.875 |
| >$424K | 4.500 | 4.125 | 4.375 | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.615 | 2.893 | 3.418 | 2.803 | 2.904 | 3.145 |
| >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 3.751 | 3.465 | 4.121 | ------ | 3.377 | 3.627 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
| APR | 4.011 | 3.412 | 3.861 | 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 | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.875 | 3.875 |
| >$424K | 4.375 | 4.125 | 4.375 | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.125 |
| >$424K | 4.625 | 4.125 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.500 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.555 | 2.902 | 3.458 | 2.815 | 2.928 | 3.169 |
| >$424K | 4.000 | 3.750 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 4.015 | 3.782 | 4.122 | ------ | 3.378 | 3.628 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.750 | 3.250 | 3.375 | 3.990 |
| APR | 4.015 | 3.420 | 3.814 | 3.395 | 3.432 | 4.035 |
| ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo 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 | |
| <=$424K | 4.000 | 3.375 | 3.750 | 3.250 | ------ | 4.125 |
| >$424K | 5.000 | 4.375 | 4.750 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.500 |
| >$424K | 5.000 | 4.375 | 4.750 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.628 | 2.917 | 3.455 | 2.837 | 2.927 | 3.168 |
| >$424K | 4.000 | 3.750 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 4.014 | 3.783 | 4.122 | ------ | 3.378 | 3.628 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.750 | 3.375 | 3.375 | 3.625 |
| APR | 4.024 | 3.436 | 3.826 | 3.437 | 3.432 | 3.683 |
| ******************************* GEORGIA ******************************* (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 | |
| <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 4.000 | 3.990 |
| >$424K | 4.125 | 3.750 | 4.500 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.250 |
| >$424K | 4.500 | 4.125 | 4.500 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.643 | 2.942 | 3.473 | 2.874 | 2.941 | 3.182 |
| >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 3.757 | 3.476 | 4.130 | ------ | 3.384 | 3.634 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.750 | 3.375 | 4.125 | 3.625 |
| APR | 4.039 | 3.461 | 3.847 | 3.474 | 4.195 | 3.698 |
| ******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, 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 | |
| <=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$424K | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.750 |
| Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.750 |
| >$424K | 4.375 | 3.875 | 4.250 | ------ | 3.500 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
| APR | 3.621 | 2.886 | 3.412 | 2.792 | 2.881 | 3.141 |
| >$424K | 3.750 | 3.500 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 3.748 | 3.460 | 4.117 | ------ | 3.374 | 3.624 |
| Jumbo | 3.750 | 3.500 | 4.125 | ------ | 3.375 | 3.625 |
| APR | 3.743 | 3.451 | 4.109 | ------ | 3.369 | 3.619 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
| APR | 4.017 | 3.404 | 3.865 | 3.391 | 3.383 | 3.633 |
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
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