【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（09月13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年固定利率上升刀3.450%，15年固定利率稳定在2.750%，
5/1 ARM稳定在3.000%。购房贷款40万左右，30年固定的利率稳定在3.250%，15年固定
利率上升在2.625%，5/1 ARM稳定在2.750%
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 3.500 2.750 3.250 2.625 3.000 3.250
>$417K 3.625 2.875 3.500 2.875 3.375 3.375
Jumbo 4.000 3.500 ----- ------ 3.375 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.250 3.500
>$417K 3.990 3.500 3.875 ------ 3.500 3.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.389 2.663 3.165 2.589 2.789 2.924
>$417K 3.500 2.750 3.375 2.750 3.000 3.125
APR 3.516 2.789 3.391 2.813 3.040 3.166
Jumbo 3.875 3.375 ----- ----- 3.125 3.125
APR 3.908 3.414 ----- ----- 3.157 3.143
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.000 3.625 3.625
APR 3.680 3.076 3.510 3.064 3.665 3.676
******************************** 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 3.500 2.875 3.375 2.750 3.250 3.500
>$417K 4.625 ----- ------ ----- 3.500 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.125 3.750 3.750
>$417K 4.625 ----- ------ ------- 3.500 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.360 2.658 3.157 2.550 2.778 2.923
>$417K 3.875 3.500 ----- ------ 3.125 3.125
APR 3.882 3.494 ----- ------ 3.122 3.118
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 2.875 3.625 3.625
APR 3.650 3.070 3.505 2.992 3.658 3.673
******************************** 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 3.500 2.750 3.250 2.625 2.875 3.125
>$417K 4.000 3.625 ------ ----- 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.125 3.500
>$417K 4.000 3.625 ------ ------- 3.375 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.360 2.603 3.110 2.448 2.762 2.897
>$417K 3.875 3.500 ----- ------ 3.125 3.125
APR 3.884 3.496 ----- ------ 3.124 3.120
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.000 3.625 3.625
APR 3.649 3.015 3.487 2.991 3.631 3.641
******************************** 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 3.500 2.750 3.250 2.625 3.125 3.375
>$417K 4.625 ------ ------ ------ 3.500 ----
-
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.375 3.625
>$417K 4.625 ------ ------ ------ 3.500 ----
-
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.272 2.610 3.115 2.485 2.766 2.901
>$417K 3.875 3.500 ----- ------ 3.125 3.125
APR 3.887 3.501 ----- ------ 3.126 3.122
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.000 3.625 3.625
APR 3.646 3.021 3.493 3.001 3.634 3.645
******************************** 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 3.625 3.000 3.500 2.875 3.875 3.750
>$417K ----- ----- ------ ------ 3.750 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 ----- 4.250
>$417K 4.125 4.125 ------ ------ ----- 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.296 2.671 3.186 2.541 2.785 2.920
>$417K 3.875 3.375 ----- ------ 3.125 3.125
APR 3.887 3.394 ----- ------ 3.127 3.123
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.625 3.750
APR 3.659 3.078 3.523 3.015 3.675 3.790
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
