【奇虎房貸問答】
沒有最低，隻有更低！
正文
SUMMARY：今天（7月18日星期三）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 $453K, 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 | |
| <=$453K | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ |
| >$453K | 4.750 | 4.250 | ------ | ------ | 4.250 | ------ |
| Jumbo | 5.000 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
| >$453K | 5.250 | ------ | 5.250 | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.500 | 3.875 | 4.375 | 3.875 | 4.000 | 4.250 |
| APR | 4.520 | 3.964 | 4.387 | 4.004 | 4.050 | 4.269 |
| >$453K | 4.625 | 4.125 | ------ | ------ | 4.000 | ------ |
| APR | 4.646 | 4.161 | ------ | ------ | 4.041 | ------ |
| Jumbo | 4.750 | 4.750 | ------ | ------ | 4.375 | 4.375 |
| APR | 4.789 | 4.799 | ------ | ------ | 4.392 | 4.403 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | ------ | 4.875 | ------ | ------ | ------ |
| APR | 5.020 | ------ | 4.902 | ------ | ------ | ------ |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $453K, 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 | |
| <=$453K | 4.625 | 4.125 | 4.375 | 4.125 | 4.250 | 4.375 |
| >$453K | 5.000 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.125 | 4.500 | 4.250 | ------ | ------ |
| >$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.500 | 3.875 | 4.375 | 3.875 | 4.000 | 4.250 |
| APR | 4.490 | 3.913 | 4.347 | 3.930 | 4.021 | 4.240 |
| >$453K | 4.750 | 4.750 | ------ | ------ | 4.375 | 4.375 |
| APR | 4.763 | 4.754 | ------ | ------ | 4.367 | 4.377 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | ------ | 4.875 | ------ | ------ | ------ |
| APR | 4.990 | ------ | 4.861 | ------ | ------ | ------ |
| ******************************* VIRGINIA ******************************* (Based on Conforming Loan $453K, 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 | |
| <=$453K | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ |
| >$453K | 5.125 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.500 | 3.875 | 4.375 | 3.875 | 4.000 | 4.250 |
| APR | 4.483 | 3.920 | 4.352 | 3.939 | 4.025 | 4.244 |
| >$453K | 4.750 | 4.750 | ------ | ------ | 4.375 | 4.375 |
| APR | 4.766 | 4.759 | ------ | ------ | 4.370 | 4.380 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | ------ | 4.875 | ------ | ------ | ------ |
| APR | 4.901 | ------ | 4.866 | ------ | ------ | ------ |
| ******************************* 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 | |
| <=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.125 | 4.875 | ------ | ------ | ------ | ------ |
| >$453K | 5.250 | 4.875 | 5.000 | ------ | 4.625 | 4.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.000 | 4.250 |
| APR | 4.416 | 3.928 | 4.307 | 3.952 | 4.051 | 4.270 |
| >$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
| APR | 4.997 | 4.533 | 4.747 | ------ | 4.253 | 4.378 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | ------ | 4.750 | ------ | ------ | ------ |
| APR | 4.906 | ------ | 4.808 | ------ | ------ | ------ |
| ******************************* 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 | |
| <=$453K | 4.875 | ------ | 4.750 | ------ | ------ | ------ |
| >$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | ------ | 4.875 | ------ | ------ | ------ |
| >$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.000 | 4.250 |
| APR | 4.425 | 3.944 | 4.319 | 3.975 | 4.049 | 4.268 |
| >$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
| APR | 4.998 | 4.534 | 4.747 | ------ | 4.253 | 4.378 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | ------ | 4.750 | ------ | ------ | ------ |
| APR | 4.916 | ------ | 4.820 | ------ | ------ | ------ |
| ******************************* 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 | |
| <=$453K | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
| >$453K | 5.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | ------ | 4.750 | ------ | ------ | ------ |
| >$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.000 | 4.250 |
| APR | 4.440 | 3.970 | 4.340 | 4.012 | 4.064 | 4.283 |
| >$453K | 4.750 | 4.750 | ------ | ------ | 4.375 | 4.375 |
| APR | 4.773 | 4.771 | ------ | ------ | 4.376 | 4.387 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.875 | ------ | 4.750 | ------ | ------ | ------ |
| APR | 4.931 | ------ | 4.841 | ------ | ------ | ------ |
| ******************************* WASHINGTON ******************************* (Based on Conforming Loan $453K, 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 | |
| <=$453K | 4.625 | 4.125 | 4.375 | 4.125 | 4.250 | 4.375 |
| >$453K | 5.000 | ------ | ------ | ------ | ------ | ------ |
| Jumbo | 5.000 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
| >$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 4.500 | 3.875 | 4.375 | 3.875 | 4.000 | 4.250 |
| APR | 4.489 | 3.912 | 4.346 | 3.928 | 4.021 | 4.240 |
| >$453K | 4.750 | 4.750 | ------ | ------ | 4.375 | 4.375 |
| APR | 4.763 | 4.754 | ------ | ------ | 4.367 | 4.377 |
| Jumbo | 4.750 | 4.750 | ------ | ------ | 4.375 | 4.375 |
| APR | 4.758 | 4.745 | ------ | ------ | 4.361 | 4.372 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$453K | 5.000 | ------ | 4.875 | ------ | ------ | ------ |
| APR | 4.989 | ------ | 4.860 | ------ | ------ | ------ |
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.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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
評論
目前還沒有任何評論
登錄後才可評論.
