【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（11月29日 星期二)开盘时的房贷利率价格和上个工作日相比稳定
。目前重新贷款40万左右的利率，30年固定利率稳定至4.000%，15年固定利率稳定至
3.250%，5/1 ARM下降至3.375%。购房贷款40万左右，30年固定的利率稳定至3.875%，
15年固定利率稳定至3.125%，5/1 ARM下降至2.990%.
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 | 4.000 | 3.250 | 3.750 | 3.000 | 3.375 | 3.500 |
| >$417K | 4.200 | 3.375 | 4.000 | 3.750 | 3.500 | 3.625 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.750 | 4.250 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 2.875 | 2.990 | 3.250 |
| APR | 3.886 | 3.169 | 3.662 | 3.007 | 3.026 | 3.285 |
| >$417K | 4.050 | 3.250 | 4.000 | 3.500 | 3.250 | 3.375 |
| APR | 4.081 | 3.304 | 4.005 | 3.614 | 3.282 | 3.417 |
| Jumbo | 4.000 | 3.625 | ------ | ------ | 3.125 | 3.375 |
| APR | 4.038 | 3.637 | ------ | ------ | 3.159 | 3.392 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 3.875 | 4.125 |
| APR | 4.265 | 3.581 | 4.026 | 3.617 | 3.920 | 4.177 |
| ******************************* 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 | 3.875 | 3.250 | 3.750 | 3.000 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 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 | 3.750 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.250 | 4.250 | ------ | ------ | 3.375 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 2.875 | 2.875 | 3.250 |
| APR | 3.857 | 3.119 | 3.608 | 2.934 | 2.900 | 3.248 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.125 | 3.375 |
| APR | 4.118 | 3.631 | ------ | ------ | 3.135 | 3.370 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 3.750 | 3.990 |
| APR | 4.236 | 3.530 | 3.971 | 3.544 | 3.771 | 4.015 |
| ******************************* 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.375 | 3.625 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 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 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 2.875 | 2.875 | 3.250 |
| APR | 3.861 | 3.125 | 3.613 | 2.944 | 2.903 | 3.251 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.125 | 3.375 |
| APR | 4.120 | 3.635 | ------ | ------ | 3.138 | 3.372 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 3.750 | 3.990 |
| APR | 4.229 | 3.537 | 3.976 | 3.553 | 3.775 | 4.019 |
| ******************************* 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 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 3.990 | 3.500 | ------ | 4.250 |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.625 | 2.875 | 2.990 | 3.250 |
| APR | 3.880 | 3.081 | 3.652 | 3.005 | 3.019 | 3.278 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.125 | 3.375 |
| APR | 4.118 | 3.632 | ------ | ------ | 3.134 | 3.368 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.500 | 3.750 | 4.125 |
| APR | 4.172 | 3.545 | 4.015 | 3.566 | 3.803 | 4.170 |
| ******************************* 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 | 4.125 | 3.500 | 3.990 | 3.250 | ------ | 4.250 |
| >$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.625 | 2.875 | 2.990 | 3.250 |
| APR | 3.861 | 3.065 | 3.633 | 2.943 | 3.031 | 3.290 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.125 | 3.375 |
| APR | 4.121 | 3.636 | ------ | ------ | 3.138 | 3.373 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.500 | 3.875 | 4.125 |
| APR | 4.181 | 3.561 | 4.033 | 3.588 | 3.925 | 4.183 |
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
