【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（12月23日 星期五)开盘时的房贷利率价格和上个工作日相比趋于持平
。目前重新贷款40万左右的利率，30年固定利率稳定在4.25%，15年固定利率稳定至
3.375%，5/1 ARM降低至3.500%。购房贷款40万左右，30年固定的利率稳定在4.125%，
15年固定利率稳定在3.250%，5/1 ARM稳定在3.250%.
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) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.375 | 3.625 | 4.250 | 4.000 | 3.375 | 4.000 |
| Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 |
| >$417K | 4.500 | ------ | 4.625 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 |
| APR | 4.119 | 3.312 | 3.948 | 3.340 | 3.040 | 3.411 |
| >$417K | 4.200 | 3.500 | 4.125 | 3.750 | 3.500 | 3.750 |
| APR | 4.218 | 3.549 | 4.132 | 3.854 | 3.543 | 3.791 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 |
| APR | 4.283 | 3.792 | ------ | ------ | 3.520 | 3.666 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.125 | 4.250 |
| APR | 4.505 | 3.832 | 4.329 | 3.868 | 4.178 | 4.306 |
| ******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.625 |
| >$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 3.875 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.050 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 |
| APR | 4.070 | 3.257 | 3.894 | 3.266 | 3.003 | 3.373 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.363 | 3.878 | ------ | ------ | 3.496 | 3.742 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.450 | 3.750 | 4.000 | 3.750 | 4.125 | 3.990 |
| APR | 4.474 | 3.769 | 4.015 | 3.794 | 4.139 | 4.018 |
| ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.750 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.000 | 3.990 |
| >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 |
| APR | 4.031 | 3.263 | 3.899 | 3.276 | 3.007 | 3.377 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.366 | 3.883 | ------ | ------ | 3.498 | 3.745 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.125 | 3.990 |
| APR | 4.407 | 3.775 | 4.294 | 3.804 | 4.142 | 4.022 |
| ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.250 | 3.875 | ------ | 4.500 |
| >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 |
| APR | 4.036 | 3.277 | 3.930 | 3.289 | 3.033 | 3.404 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.364 | 3.879 | ------ | ------ | 3.494 | 3.741 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.250 |
| APR | 4.412 | 3.726 | 4.301 | 3.771 | 4.171 | 4.298 |
| ******************************* 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 | 4.375 | 3.625 | 4.250 | 3.625 | ------ | 4.500 |
| >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | ------ |
| >$417K | 4.875 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 |
| APR | 4.045 | 3.292 | 3.955 | 3.312 | 3.045 | 3.416 |
| >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.366 | 3.884 | ------ | ------ | 3.499 | 3.745 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.125 | 4.375 |
| APR | 4.421 | 3.811 | 4.313 | 3.839 | 4.184 | 4.424 |
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
