【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（08月07日 星期一)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年固定利率稳定在3.875%，15年固定利率下降在3. 000%，5/1 ARM稳定在3.125%。购房贷款40万左右，30年固定的利率稳定在3.750%，15 年固定利率稳定在2.875%，5/1 ARM稳定在2.875%. 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 | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
| >$417K | 3.950 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.750 | 3.875 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.500 | 2.750 | 2.875 | 3.125 |
| APR | 3.765 | 2.973 | 3.560 | 2.892 | 2.928 | 3.159 |
| >$417K | 3.800 | 3.125 | 3.750 | 3.000 | 3.250 | 3.375 |
| APR | 3.840 | 3.173 | 3.754 | 3.118 | 3.272 | 3.400 |
| Jumbo | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.894 | 3.439 | 4.151 | ------ | 3.279 | 3.288 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.140 | 3.474 | 3.939 | 3.492 | 3.537 | 3.662 |
| ******************************* 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 | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.500 | 2.750 | 2.875 | 3.125 |
| APR | 3.736 | 2.923 | 3.518 | 2.819 | 2.901 | 3.131 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.870 | 3.501 | 4.117 | ------ | 3.256 | 3.264 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.111 | 3.423 | 3.899 | 3.419 | 3.509 | 3.634 |
| ******************************* 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 | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.250 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 2.875 | 3.125 |
| APR | 3.656 | 2.929 | 3.515 | 2.829 | 2.904 | 3.135 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.873 | 3.506 | 4.121 | ------ | 3.259 | 3.267 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.104 | 3.430 | 3.904 | 3.428 | 3.512 | 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 | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.875 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.950 | 3.500 | ------ | 4.375 |
| >$417K | 4.250 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 2.875 | 3.125 |
| APR | 3.660 | 2.937 | 3.535 | 2.841 | 2.928 | 3.159 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.869 | 3.503 | 4.122 | ------ | 3.255 | 3.263 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 |
| APR | 4.047 | 3.438 | 3.911 | 3.395 | 3.557 | 3.683 |
| ******************************* 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 | 4.000 | 3.375 | 3.875 | 3.250 | ------ | 4.250 |
| >$417K | 4.375 | 4.500 | 4.750 | ------ | 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 | 3.500 | 4.000 | 3.500 | ------ | ------ |
| >$417K | 4.375 | 4.500 | 4.750 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 2.875 | 3.125 |
| APR | 3.669 | 2.953 | 3.547 | 2.863 | 2.927 | 3.158 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.873 | 3.507 | 4.122 | ------ | 3.260 | 3.267 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.056 | 3.454 | 3.923 | 3.463 | 3.558 | 3.683 |
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
