【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（11月14日 星期一)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率，30年固定利率上升至3.875%，15年固定利率上升至
3.000%，5/1 ARM下降至3.250%。购房贷款40万左右，30年固定的利率上升至3.750%，
15年固定利率上升至2.875%，5/1 ARM上升至3.000%.
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) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.625 |
| Jumbo | 4.000 | 4.000 | ------ | ------ | 3.375 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 4.000 |
| >$417K | 4.750 | 3.875 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.375 |
| APR | 3.775 | 2.937 | 3.633 | 2.965 | 3.047 | 3.410 |
| >$417K | 3.950 | 3.125 | 3.875 | 3.250 | 3.250 | 3.375 |
| APR | 3.992 | 3.170 | 3.892 | 3.215 | 3.283 | 3.405 |
| Jumbo | 3.875 | 3.250 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.900 | 3.303 | ------ | ------ | 3.154 | 3.273 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 4.125 | 4.375 |
| APR | 4.140 | 3.419 | 4.015 | 3.439 | 4.177 | 4.423 |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 | |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.125 | 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 | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.500 | 3.875 |
| >$417K | 4.250 | 4.375 | ------ | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.500 | 2.875 | 3.000 | 3.375 |
| APR | 3.746 | 2.887 | 3.539 | 2.892 | 3.013 | 3.373 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.987 | 3.391 | ------ | ------ | 3.135 | 3.261 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 4.125 | 4.250 |
| APR | 4.111 | 3.369 | 3.913 | 3.366 | 4.140 | 4.279 |
| ******************************* 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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 4.125 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.500 | 2.875 | 3.000 | 3.375 |
| APR | 3.740 | 2.893 | 3.545 | 2.902 | 3.017 | 3.376 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.990 | 3.396 | ------ | ------ | 3.137 | 3.263 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 4.125 | 4.250 |
| APR | 4.104 | 3.375 | 3.918 | 3.376 | 4.144 | 4.283 |
| ******************************* 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 | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 4.000 |
| >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.375 | ------ | ------ |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.750 | 3.625 | 2.750 | 3.000 | 3.375 |
| APR | 3.681 | 2.848 | 3.623 | 2.893 | 3.025 | 3.403 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.988 | 3.392 | ------ | ------ | 3.133 | 3.259 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 4.125 | 4.375 |
| APR | 4.047 | 3.331 | 3.954 | 3.368 | 4.153 | 4.416 |
| ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | ------ | ------ |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
| 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 | ------ | ------ |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.375 |
| APR | 3.753 | 2.917 | 3.633 | 2.936 | 3.044 | 3.416 |
| >$417K | 4.000 | 3.375 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.990 | 3.397 | ------ | ------ | 3.138 | 3.264 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.990 | 3.250 | 4.125 | 4.375 |
| APR | 4.056 | 3.347 | 4.023 | 3.391 | 4.173 | 4.429 |
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
