【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（01月31日 星期二)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4.125%，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 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.375 | 4.000 | 3.500 | 3.750 | 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 3.875 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 |
| APR | 4.035 | 3.222 | 3.876 | 3.235 | 3.151 | 3.289 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.625 |
| APR | 4.162 | 3.318 | 4.006 | 3.360 | 3.531 | 3.655 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.159 | 3.653 | ------ | ------ | 3.408 | 3.649 |
| 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 | 3.875 | 3.990 |
| APR | 4.401 | 3.688 | 4.256 | 3.716 | 3.929 | 4.019 |
| ******************************* 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 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.375 | 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 | 4.000 | 3.375 | 3.500 | 3.625 |
| >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.875 | 3.125 | 2.990 | 3.250 |
| APR | 3.975 | 3.172 | 3.831 | 3.120 | 3.018 | 3.251 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.230 | 3.647 | ------ | ------ | 3.384 | 3.627 |
| 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 | 3.875 | 3.875 |
| APR | 4.371 | 3.637 | 4.216 | 3.642 | 3.896 | 3.903 |
| ******************************* 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 | 4.000 | ------ | ------ | 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 | 3.875 |
| >$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 | 3.950 | 3.250 | 3.875 | 3.125 | 2.990 | 3.250 |
| APR | 3.979 | 3.178 | 3.836 | 3.129 | 3.022 | 3.255 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.232 | 3.651 | ------ | ------ | 3.387 | 3.629 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | 3.875 | 3.875 |
| APR | 4.282 | 3.644 | 4.221 | 3.652 | 3.900 | 3.907 |
| ******************************* 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 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.000 | ------ | ------ | 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 | ------ | 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 | 3.875 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 |
| APR | 3.932 | 3.206 | 3.848 | 3.195 | 3.034 | 3.282 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.230 | 3.648 | ------ | ------ | 3.383 | 3.625 |
| 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 | 4.287 | 3.582 | 4.190 | 3.619 | 3.908 | 4.012 |
| ******************************* 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 | ------ | 3.990 |
| >$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 | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.125 | 3.250 |
| APR | 4.040 | 3.222 | 3.801 | 3.189 | 3.150 | 3.294 |
| >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.233 | 3.652 | ------ | ------ | 3.387 | 3.630 |
| 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 | 4.296 | 3.598 | 4.202 | 3.642 | 3.928 | 4.024 |
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
