【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（02月01日 星期三)开盘时的房贷利率价格和上个工作日相比略微上涨
。目前重新贷款40万左右的利率，30年固定利率稳定在4.125%，15年固定利率稳定在3.
250%，5/1 ARM稳定在3.250%。购房贷款40万左右，30年固定的利率稳定在3.990%，
15年固定利率稳定在3.250%，5/1 ARM稳定在3.125%.
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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.375 | 3.875 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.250 | 4.625 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
| APR | 4.046 | 3.240 | 3.933 | 3.235 | 3.159 | 3.304 |
| >$417K | 4.200 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 |
| APR | 4.229 | 3.407 | 4.061 | 3.471 | 3.399 | 3.673 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.164 | 3.664 | ------ | ------ | 3.412 | 3.653 |
| 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 | 4.000 | 3.990 |
| APR | 4.433 | 3.706 | 4.300 | 3.743 | 4.052 | 4.037 |
| ******************************* 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 | 3.250 | 4.000 | 3.250 | 3.250 | 3.625 |
| >$417K | 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 | 3.375 | 4.125 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.000 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.017 | 3.190 | 3.886 | 3.177 | 3.129 | 3.268 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.238 | 3.657 | ------ | ------ | 3.388 | 3.633 |
| 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 | 4.000 | 3.990 |
| APR | 4.403 | 3.655 | 4.259 | 3.669 | 4.018 | 3.998 |
| ******************************* 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 | 4.000 | 3.375 | 3.375 | 3.625 |
| >$417K | 4.500 | 4.125 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.990 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.011 | 3.196 | 3.893 | 3.186 | 3.132 | 3.272 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.241 | 3.662 | ------ | ------ | 3.391 | 3.635 |
| 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 | 4.000 | 3.990 |
| APR | 4.396 | 3.662 | 4.265 | 3.679 | 4.022 | 4.002 |
| ******************************* 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 | 3.375 | 4.125 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.125 | ------ | ------ | 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 | 3.750 | 4.250 | 3.750 | ------ | 4.250 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.015 | 3.205 | 3.903 | 3.253 | 3.140 | 3.299 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.238 | 3.658 | ------ | ------ | 3.387 | 3.631 |
| 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 | 4.000 | 3.990 |
| APR | 4.401 | 3.670 | 4.272 | 3.691 | 4.030 | 4.030 |
| ******************************* 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 | ------ | 4.375 |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.024 | 3.220 | 3.898 | 3.246 | 3.158 | 3.303 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.241 | 3.663 | ------ | ------ | 3.391 | 3.636 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.625 | 4.250 | 3.625 | 4.000 | 3.990 |
| APR | 4.127 | 3.686 | 4.284 | 3.714 | 4.050 | 4.043 |
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
