【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（03月17日 星期五)开盘时的房贷利率价格和上个工作日相比降低
。目前重新贷款40万左右的利率，30年固定利率下降在4.125%，15年固定利率稳定在3.
375%，5/1 ARM下降至3.250%。购房贷款40万左右，30年固定的利率下降在4.050%，
15年固定利率稳定在3.250%，5/1 ARM稳定至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 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.375 | 4.125 | 3.500 | 3.875 | 4.000 |
| Jumbo | 4.375 | 4.000 | 4.500 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.250 | 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 | 4.050 | 3.250 | 3.875 | 3.125 | 3.125 | 3.375 |
| APR | 4.106 | 3.294 | 3.879 | 3.248 | 3.156 | 3.409 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 |
| APR | 4.168 | 3.389 | 4.048 | 3.354 | 3.658 | 3.786 |
| Jumbo | 4.375 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
| APR | 4.378 | 3.926 | 4.398 | ------ | 3.643 | 3.665 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 |
| APR | 4.505 | 3.832 | 4.295 | 3.743 | 3.907 | 4.032 |
| ******************************* 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 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.500 | 4.125 | 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 | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 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 | |
| <=$417K | 4.050 | 3.250 | 3.750 | 3.125 | 3.125 | 3.375 |
| APR | 4.066 | 3.244 | 3.774 | 3.133 | 3.124 | 3.374 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| APR | 4.353 | 3.986 | 4.362 | ------ | 3.619 | 3.641 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.450 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 |
| APR | 4.476 | 3.780 | 4.252 | 3.669 | 3.878 | 4.003 |
| ******************************* 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 | 4.250 | 3.375 | 3.950 | 3.375 | 3.375 | 3.625 |
| >$417K | 5.000 | 4.250 | 4.625 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 |
| >$417K | 5.000 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
| 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 | 3.125 | 3.375 |
| APR | 4.031 | 3.250 | 3.780 | 3.143 | 3.128 | 3.377 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| APR | 4.355 | 3.990 | 4.366 | ------ | 3.622 | 3.644 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.450 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 |
| APR | 4.480 | 3.787 | 4.249 | 3.679 | 3.882 | 4.007 |
| ******************************* 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 | 3.500 | 4.125 | 3.375 | 3.500 | 3.750 |
| >$417K | 5.000 | 4.375 | 4.625 | ------ | 4.000 | 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 | 5.000 | 4.375 | 4.625 | ------ | 4.000 | 4.125 |
| 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 | 3.375 |
| APR | 4.036 | 3.259 | 3.811 | 3.209 | 3.039 | 3.394 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| APR | 4.351 | 3.983 | 4.366 | ------ | 3.617 | 3.639 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.750 | 4.000 |
| APR | 4.423 | 3.726 | 4.280 | 3.645 | 3.796 | 4.048 |
| ******************************* 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 | 3.500 | ------ | 4.375 |
| >$417K | 5.250 | 4.625 | 4.875 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ |
| >$417K | 5.250 | 4.625 | 4.875 | ------ | 4.375 | 4.375 |
| 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 | 3.375 |
| APR | 4.045 | 3.274 | 3.884 | 3.202 | 3.155 | 3.408 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| APR | 4.356 | 3.991 | 4.366 | ------ | 3.622 | 3.644 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 |
| APR | 4.432 | 3.811 | 4.284 | 3.714 | 3.924 | 4.049 |
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
