【奇虎房貸問答】
沒有最低，隻有更低！
正文
SUMMARY：今天（9月19日星期四）股市股市行情大幅上漲，美10年期國債收益率出現波動，房貸利率價格相對昨天出現下降。目前重新貸款40萬左右的利率，30年為3.75%，15年上漲為3.25%。購房貸款40萬左右，30年仍為3.50%，15年為3.0%。
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 $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | |
| <=$484K | 3.750 | 3.250 | 3.625 | 3.125 | 3.625 | 3.625 |
| >$484K | 3.875 | 3.375 | ------ | ------ | ------ | ------ |
| Jumbo | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 4.000 | 4.000 |
| >$484K | 4.500 | 4.000 | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.375 |
| APR | 3.539 | 3.052 | 3.527 | 3.049 | 3.414 | 3.414 |
| >$484K | 3.750 | 3.250 | ------ | ------ | 3.875 | ------ |
| APR | 3.783 | 3.308 | ------ | ------ | 3.919 | ------ |
| Jumbo | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
| APR | 4.153 | 3.887 | ------ | ------ | 4.153 | 4.414 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
| APR | 4.302 | 3.822 | 4.071 | 3.827 | ------ | ------ |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | |
| <=$484K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.500 |
| >$484K | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.875 | 3.375 | 3.750 | 3.250 | 4.000 | 3.875 |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| ******************************* VIRGINIA ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| ******************************* 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 | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| ******************************* ILLINOIS ******************************* (Based on Conforming Loan $450K, Jumbo Loan $562K. 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 | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| ******************************* 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 | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| ******************************* 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 | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| ******************************* WASHINGTON ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| Jumbo | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| >$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| Jumbo | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | loading... | loading... | loading... | loading... | loading... | loading... |
| APR | loading... | loading... | loading... | loading... | loading... | loading... |
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
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