【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（10月19日 星期三)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年固定利率下降在3.375%，15年固定利率稳定在
2.750%，5/1 ARM下降在2.875%。购房贷款40万左右，30年固定的利率稳定在3.375%，
15年固定
利率稳定在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 3.375 2.750 3.250 2.625 2.875 3.250
>$417K 3.625 2.875 3.500 2.875 3.375 3.375
Jumbo 3.750 3.125 ----- ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 3.125 3.500
>$417K 4.990 3.500 3.875 3.625 3.375 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 3.379 2.668 3.117 2.607 2.783 2.924
>$417K 3.450 2.750 3.375 2.750 3.125 3.250
APR 3.481 2.781 3.394 2.818 3.154 3.267
Jumbo 3.625 3.000 ----- ----- 2.875 3.000
APR 3.639 3.039 ----- ----- 2.906 3.018
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 3.750
APR 3.680 3.072 3.533 3.017 3.667 3.795
******************************** 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 2.750 3.375 2.750 3.125 3.500
>$417K 3.875 ----- ------ ----- ----- 3.375
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 3.875 3.875
>$417K 4.000 ----- ------ ------- ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.285 2.662 3.154 2.568 2.763 2.923
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.635 3.033 ----- ------ 3.004 3.015
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 3.750
APR 3.650 3.067 3.529 2.966 3.646 3.792
******************************** 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 3.375 2.750 3.250 2.625 2.875 3.125
>$417K 3.875 3.375 ------ ----- 3.125 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 3.125 3.500
>$417K 3.875 3.500 ------ ------- 3.250 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 3.352 2.607 3.130 2.493 2.751 2.897
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.635 3.032 ----- ------ 3.004 3.015
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 3.750
APR 3.652 3.011 3.485 2.944 3.634 3.760
******************************** 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 3.375 2.625 3.000 3.375
>$417K 3.875 ----- ------ ------ ----- 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 3.250 3.625
>$417K 4.000 ----- ------ ------ ----- 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.280 2.614 3.135 2.502 2.755 2.901
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.637 3.037 ----- ------ 3.006 3.017
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 3.750
APR 3.646 3.018 3.491 2.954 3.637 3.764
******************************** 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 3.875
>$417K 4.125 ----- ------ ------ ----- 3.625
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 4.250 ----- ------ ------ ----- -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.293 2.684 3.181 2.561 2.781 2.920
>$417K 3.625 3.000 ----- ------ 3.000 3.000
APR 3.638 3.038 ----- ------ 3.007 3.018
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 3.750
APR 3.659 3.089 3.546 3.989 3.665 3.805
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
