【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（12月28日 星期三)开盘时的房贷利率价格和上个工作日相比趋于持平
。目前重新贷款40万左右的利率，30年固定利率稳定在4.125%，15年固定利率稳定至
3.375%，5/1 ARM稳定在3.625%。购房贷款40万左右，30年固定的利率稳定在4.000%，
15年固定利率稳定在3.250%，5/1 ARM稳定在3.250%.
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 | 3.625 | 3.875 |
| >$417K | 4.375 | 3.750 | 4.250 | 3.750 | 3.875 | 4.000 |
| Jumbo | 4.500 | 4.000 | ------ | ------ | 3.625 | 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 | 4.000 | 3.990 |
| >$417K | 4.625 | ------ | 4.625 | ------ | 3.875 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.250 | 3.375 |
| APR | 4.052 | 3.305 | 3.847 | 3.258 | 3.292 | 3.430 |
| >$417K | 4.200 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 |
| APR | 4.232 | 3.566 | 4.141 | 3.567 | 3.653 | 3.893 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.289 | 3.780 | ------ | ------ | 3.524 | 3.769 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | 4.500 |
| APR | 4.515 | 3.832 | 4.280 | 3.868 | ------ | 4.547 |
| ******************************* 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 | 3.500 | 3.625 |
| >$417K | 4.500 | 4.000 | ------ | ------ | 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 | 4.000 | 3.375 | 3.875 | 3.990 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 4.000 |
| 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 | 3.250 | 3.375 |
| APR | 4.023 | 3.255 | 3.807 | 3.184 | 3.255 | 3.392 |
| >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.369 | 3.774 | ------ | ------ | 3.500 | 3.749 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | 4.375 |
| APR | 4.486 | 3.780 | 4.239 | 3.794 | ------ | 4.400 |
| ******************************* 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 | 3.500 | 4.000 | 3.250 | 3.750 | 3.875 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.125 |
| 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 | 4.125 | 4.250 |
| >$417K | 4.625 | ------ | ------ | ------ | 3.875 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.250 | 3.375 |
| APR | 4.027 | 3.261 | 3.813 | 3.194 | 3.259 | 3.395 |
| >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.372 | 3.778 | ------ | ------ | 3.503 | 3.751 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | 4.375 |
| APR | 4.479 | 3.787 | 4.245 | 3.804 | ------ | 4.404 |
| ******************************* 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 | 3.500 | 4.000 | 3.990 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.875 | 4.125 | 3.625 | ------ | ------ |
| >$417K | 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 | 3.875 | 3.125 | 3.250 | 3.375 |
| APR | 4.047 | 3.277 | 3.846 | 3.256 | 3.285 | 3.423 |
| >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.370 | 3.775 | ------ | ------ | 3.499 | 3.747 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | 4.500 |
| APR | 4.423 | 3.726 | 4.279 | 3.771 | ------ | 4.539 |
| ******************************* 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 | 4.125 | 3.500 | ------ | ------ |
| >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.250 | 3.750 | ------ | ------ |
| >$417K | 4.875 | ------ | ------ | ------ | ------ | ------ |
| 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 | 3.250 | 3.500 |
| APR | 4.027 | 3.261 | 3.801 | 3.193 | 3.298 | 3.526 |
| >$417K | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 |
| APR | 4.372 | 3.779 | ------ | ------ | 3.503 | 3.752 |
| 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 | ------ | 4.500 |
| APR | 4.432 | 3.811 | 4.244 | 3.747 | ------ | 4.553 |
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
