【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（10月26日 星期三)开盘时的房贷利率价格和上个工作日相比稍好
。目前重新贷款40万左右的利率，30年固定利率下降至3.500%，15年固定利率下降至
2.750%，5/1 ARM下降至3.000%。购房贷款40万左右，30年固定的利率稳定在3.375%，
15年固定利率下降至2.625%，5/1 ARM下降至2.750%.
注：除非特别说明，以下列出的利率都是基于本帖底部的贷款参数，并且是带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 3.500 2.750 3.250 2.625 3.000 3.250
>$417K 3.625 3.125 3.375 2.875 3.375 3.375
Jumbo 3.875 3.125 ----- ------ 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 3.125 3.375 2.875 3.250 3.500
>$417K 4.000 3.500 3.875 3.625 3.375 3.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.990
APR 3.375 2.690 3.161 2.636 2.799 3.036
>$417K 3.450 2.750 3.375 2.750 3.125 3.250
APR 3.497 2.801 3.390 2.820 3.162 3.268
Jumbo 3.750 3.250 ----- ----- 3.000 3.125
APR 3.542 3.313 ----- ----- 3.037 3.147
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 3.000 3.500 3.125 3.625 3.750
APR 3.750 3.096 3.493 3.211 3.669 3.790
******************************** 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 3.500 2.875 3.375 2.875 3.250 3.500
>$417K 4.375 ----- ------ ----- ----- 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 3.500 3.125 3.875 3.875
>$417K 4.000 ----- ------ ------- ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.990
APR 3.305 2.684 3.157 2.597 2.779 3.013
>$417K 3.750 3.375 ----- ------ 3.000 3.125
APR 3.756 3.402 ----- ------ 3.005 3.122
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.625 3.750
APR 3.660 3.091 3.488 3.118 3.648 3.787
******************************** 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 3.500 2.750 3.250 2.625 3.000 3.375
>$417K 3.750 4.125 ------ ----- 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.250 3.500
>$417K 4.000 4.125 ------ ------- 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.750 2.750 2.990
APR 3.348 2.607 3.117 2.495 2.762 3.003
>$417K 3.750 3.375 ----- ------ 3.000 3.125
APR 3.757 3.405 ----- ------ 3.005 3.124
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 2.990 3.500 3.125 3.625 3.625
APR 3.716 3.034 3.445 3.096 3.637 3.650
******************************** 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 3.625 2.875 3.375 2.750 3.125 3.375
>$417K 3.875 ----- ------ ------ ----- 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 3.000 3.375 3.625
>$417K 4.000 ----- ------ ------ ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.990
APR 3.355 2.636 3.119 2.531 2.771 3.007
>$417K 3.625 3.375 ----- ------ 3.000 3.000
APR 3.625 3.409 ----- ------ 3.006 3.019
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.125 3.625 3.625
APR 3.656 3.041 3.450 3.106 3.641 3.654
******************************** 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 3.625 3.000 3.500 3.000 3.875 3.875
>$417K 4.625 ----- ------ ------ ----- 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.250 3.625 3.125 ----- 4.250
>$417K 4.125 ----- ------ ------ ----- -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.990
APR 3.378 2.706 3.174 2.593 2.797 3.045
>$417K 3.750 3.375 ----- ------ 3.000 3.125
APR 3.760 3.410 ----- ------ 3.008 3.127
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.625 3.750
APR 3.669 3.096 3.506 3.140 3.667 3.799
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：以上凡是没有表明利率的loan program，意味着该program做不了no point的贷款
，需要收point才能做。
奇虎贷款NMLS ID: 1169300
