【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（11月08日 星期二)开盘时的房贷利率价格和上个工作日相比持平
。目前重新贷款40万左右的利率，30年固定利率稳定在3.500%，15年固定利率稳定在
2.750%，5/1 ARM稳定在3.000%。购房贷款40万左右，30年固定的利率稳定在3.375%，
15年固定利率稳定在2.625%，5/1 ARM稳定至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 | 3.375 | 2.750 | 2.990 | 3.250 |
| >$417K | 3.700 | 2.875 | 3.500 | 2.875 | 3.375 | 3.375 |
| Jumbo | 3.875 | 3.250 | ------ | ------ | 3.250 | 3.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 |
| >$417K | 4.000 | 3.500 | 4.000 | 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 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.399 | 2.708 | 3.252 | 2.620 | 2.789 | 3.024 |
| >$417K | 3.550 | 2.750 | 3.375 | 2.750 | 3.125 | 3.125 |
| APR | 3.587 | 2.818 | 3.436 | 2.841 | 3.157 | 3.167 |
| Jumbo | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.659 | 3.076 | ------ | ------ | 3.029 | 3.142 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 |
| APR | 3.775 | 3.098 | 3.553 | 3.143 | 3.555 | 3.672 |
| ******************************* 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 | 3.375 | 2.625 | 2.875 | 3.250 |
| >$417K | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.875 | 3.125 | 3.375 |
| >$417K | 4.000 | 4.125 | ------ | ------ | 3.250 | 3.375 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.372 | 2.640 | 3.199 | 2.506 | 2.757 | 2.987 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.743 | 3.145 | ------ | ------ | 3.005 | 3.120 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.500 | 3.000 | 3.500 | 3.625 |
| APR | 3.746 | 3.040 | 3.500 | 3.070 | 3.517 | 3.633 |
| ******************************* 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 | 3.500 | 2.750 | 3.375 | 2.750 | 3.125 | 3.375 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.375 | 3.500 |
| >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.365 | 2.647 | 3.204 | 2.515 | 2.761 | 2.991 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.745 | 3.149 | ------ | ------ | 3.008 | 3.122 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.500 | 3.000 | 3.500 | 3.625 |
| APR | 3.740 | 3.047 | 3.505 | 3.079 | 3.521 | 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 | |
| <=$417K | 3.500 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 |
| >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 |
| >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.370 | 2.695 | 3.242 | 2.581 | 2.769 | 3.017 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.743 | 3.146 | ------ | ------ | 3.004 | 3.119 |
| 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 | 3.500 | 3.625 |
| APR | 3.671 | 3.063 | 3.543 | 3.091 | 3.548 | 3.665 |
| ******************************* 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 | 3.625 | 3.750 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | ------ | 4.125 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.375 | 2.625 | 3.250 | 2.500 | 2.750 | 2.990 |
| APR | 3.378 | 2.717 | 3.259 | 2.574 | 2.787 | 3.029 |
| >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 |
| APR | 3.746 | 3.150 | ------ | ------ | 3.008 | 3.123 |
| 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 | 3.625 |
| APR | 3.679 | 3.078 | 3.561 | 3.114 | 3.660 | 3.677 |
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
