【奇虎房贷问答】
没有最低，只有更低！
正文
SUMMARY：今天（09月21日 星期四)开盘时的房贷利率价格和上个工作日相比稍微持平.
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 $424K, High-Balance Loan $636K, 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 | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
| >$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.625 |
| Jumbo | 4.000 | 3.625 | 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 | |
| <=$424K | 3.950 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
| >$424K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.765 | 3.044 | 3.575 | 2.991 | 3.043 | 3.294 |
| >$424K | 3.875 | 3.125 | 3.750 | 3.250 | 3.375 | 3.500 |
| APR | 3.908 | 3.205 | 3.785 | 3.197 | 3.411 | 3.521 |
| Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.877 | 3.569 | 4.151 | ------ | 3.289 | 3.407 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.500 | 3.625 |
| APR | 4.150 | 3.563 | 3.953 | 3.591 | 3.537 | 3.662 |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
| >$424K | 4.125 | 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 | |
| <=$424K | 3.950 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 |
| >$424K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.736 | 3.045 | 3.515 | 2.918 | 3.016 | 3.266 |
| >$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.853 | 3.533 | 4.117 | ------ | 3.266 | 3.383 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.500 | 3.625 |
| APR | 4.121 | 3.512 | 3.913 | 3.517 | 3.509 | 3.634 |
| ******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K. 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 | |
| <=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 3.625 | 3.750 |
| >$424K | 4.125 | 3.875 | 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 | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.875 | 3.875 |
| >$424K | 4.500 | 4.125 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.730 | 3.051 | 3.520 | 2.928 | 3.020 | 3.270 |
| >$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.855 | 3.538 | 4.121 | ------ | 3.268 | 3.386 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.500 | 3.625 |
| APR | 4.115 | 3.519 | 3.918 | 3.527 | 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 | |
| <=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.750 | 4.000 |
| >$424K | 4.500 | 4.125 | 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 | |
| <=$424K | 4.125 | 3.625 | 3.950 | 3.625 | ------ | 4.500 |
| >$424K | 4.625 | 4.125 | 4.375 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.671 | 2.955 | 3.549 | 2.940 | 3.044 | 3.295 |
| >$424K | 4.000 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.977 | 3.620 | 4.122 | ------ | 3.265 | 3.382 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.047 | 3.457 | 3.925 | 3.493 | 3.557 | 3.683 |
| ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo 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 | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.500 |
| >$424K | 5.000 | 4.375 | 4.750 | ------ | 4.375 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
| >$424K | 5.000 | 4.375 | 4.750 | ------ | 4.375 | 4.250 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.679 | 2.971 | 3.555 | 2.962 | 3.043 | 3.293 |
| >$424K | 4.000 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.981 | 3.629 | 4.122 | ------ | 3.269 | 3.386 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.056 | 3.472 | 3.937 | 3.516 | 3.558 | 3.683 |
| ******************************* GEORGIA ******************************* (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 | |
| <=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.875 | 4.125 |
| >$424K | 4.250 | 3.875 | 4.500 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 4.250 | 4.500 |
| >$424K | 4.625 | 4.125 | 4.500 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.694 | 2.996 | 3.575 | 2.999 | 3.056 | 3.307 |
| >$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.862 | 3.549 | 4.130 | ------ | 3.275 | 3.392 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.000 | 3.375 | 4.000 | 3.375 | 3.500 | 3.625 |
| APR | 4.070 | 3.498 | 4.045 | 3.553 | 3.572 | 3.698 |
| ******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, High-Balance Loan $636K, 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 | |
| <=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
| >$424K | 4.125 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.875 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 |
| >$424K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.743 | 3.044 | 3.508 | 2.917 | 3.016 | 3.266 |
| >$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
| APR | 3.852 | 3.533 | 4.117 | ------ | 3.266 | 3.383 |
| Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.848 | 3.516 | 4.109 | ------ | 3.241 | 3.263 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 4.250 | 3.625 |
| APR | 4.141 | 3.511 | 3.912 | 3.516 | 4.268 | 3.633 |
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
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