【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（1月9日 星期一)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4.000%，15年固定利率稳定至
3.250%，5/1 ARM稳定在3.375%。购房贷款40万左右，30年固定的利率上涨在4.000%，
15年固定利率稳定在3.125%，5/1 ARM下跌至2.990%.
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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.125 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 |
| Jumbo | 4.250 | 3.875 | ------ | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.931 | 3.187 | 3.779 | 3.199 | 3.020 | 3.288 |
| >$417K | 3.990 | 3.375 | 3.990 | 3.375 | 3.500 | 3.750 |
| APR | 4.037 | 3.409 | 4.055 | 3.451 | 3.531 | 3.785 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.242 | 3.773 | ------ | ------ | 3.403 | 3.646 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 |
| APR | 4.286 | 3.599 | 4.175 | 3.644 | 4.049 | 4.027 |
| ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.500 |
| >$417K | 4.250 | 4.000 | ------ | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 2.990 | 2.990 | 3.250 |
| APR | 3.895 | 3.137 | 3.735 | 3.056 | 2.983 | 3.251 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.217 | 3.766 | ------ | ------ | 3.379 | 3.621 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 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 |
| APR | 4.257 | 3.548 | 4.131 | 3.570 | 3.902 | 3.988 |
| ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 |
| >$417K | ------ | ------ | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 |
| >$417K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 2.990 | 2.990 | 3.250 |
| APR | 3.896 | 3.143 | 3.740 | 3.066 | 2.987 | 3.254 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.219 | 3.771 | ------ | ------ | 3.381 | 3.624 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 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 |
| APR | 4.250 | 3.555 | 4.136 | 3.580 | 3.906 | 3.992 |
| ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.375 | 3.750 | 3.875 |
| >$417K | ------ | ------ | ------ | ------ | 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 | 3.750 | 4.125 | 3.500 | 4.125 | 4.250 |
| >$417K | 5.000 | ------ | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.990 | 3.250 |
| APR | 3.901 | 3.099 | 3.778 | 3.144 | 3.013 | 3.281 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.215 | 3.763 | ------ | ------ | 3.377 | 3.620 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 |
| APR | 4.255 | 3.564 | 4.146 | 3.592 | 4.042 | 4.020 |
| ******************************* 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 | 4.250 | 3.500 | 4.000 | 3.500 | ------ | 4.250 |
| >$417K | ------ | ------ | ------ | ------ | ------ | 4.125 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | ------ |
| >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 |
| APR | 3.909 | 3.167 | 3.744 | 3.121 | 3.025 | 3.294 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.220 | 3.772 | ------ | ------ | 3.382 | 3.624 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 |
| APR | 4.264 | 3.579 | 4.148 | 3.615 | 4.054 | 4.033 |
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
