【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（03月31日 星期五)开盘时的房贷利率价格和上个工作日相比略微下降
。目前重新贷款40万左右的利率，30年固定利率下降在4.000%，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年固定的利率上涨在4.000%，
15年固定利率稳定在3.250%，5/1 ARM稳定在3.000%.
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 | 3.250 | 3.375 |
| >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.750 | 3.875 |
| Jumbo | 4.250 | 3.750 | 4.375 | ------ | 3.750 | 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 | 3.950 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.500 | 4.000 | 4.375 | ------ | 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 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 4.004 | 3.240 | 3.782 | 3.223 | 3.037 | 3.274 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.750 |
| APR | 4.151 | 3.326 | 4.004 | 3.257 | 3.421 | 3.774 |
| Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.155 | 3.667 | 4.272 | ------ | 3.534 | 3.651 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.307 | 3.706 | 4.175 | 3.617 | 3.782 | 3.907 |
| ******************************* 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 | 3.125 | 3.375 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 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 | 3.375 | 3.950 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 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 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 3.976 | 3.190 | 3.739 | 3.108 | 3.005 | 3.247 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.229 | 3.728 | 4.237 | ------ | 3.510 | 3.627 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.278 | 3.655 | 4.134 | 3.544 | 3.753 | 3.878 |
| ******************************* 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 | 3.250 | 3.500 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 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 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 3.969 | 3.196 | 3.736 | 3.117 | 3.008 | 3.250 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.232 | 3.732 | 4.241 | ------ | 3.513 | 3.630 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.271 | 3.662 | 4.140 | 3.553 | 3.757 | 3.882 |
| ******************************* 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 | 3.950 | 3.375 | 3.375 | 3.750 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 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 | 3.750 | 4.125 | 3.625 | ------ | 4.500 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 4.000 | 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 | 3.000 | 3.000 | 3.250 |
| APR | 3.921 | 3.224 | 3.767 | 3.144 | 3.016 | 3.275 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.230 | 3.729 | 4.241 | ------ | 3.509 | 3.626 |
| 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 | 3.750 | 3.875 |
| APR | 4.276 | 3.600 | 4.146 | 3.566 | 3.774 | 3.923 |
| ******************************* 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 | 4.125 | 3.500 | ------ | 4.750 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | ------ | ------ |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 |
| APR | 3.930 | 3.220 | 3.787 | 3.177 | 3.035 | 3.273 |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.232 | 3.733 | 4.241 | ------ | 3.513 | 3.630 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.285 | 3.686 | 4.159 | 3.588 | 3.798 | 3.924 |
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
