【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（12月30日 星期五)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3.500%。购房贷款40万左右，30年固定的利率稳定在3.990%，
15年固定利率稳定在3.250%，5/1 ARM降低至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 | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.200 | 3.625 | 4.125 | 3.875 | 3.750 | 4.000 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.750 | 3.990 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 |
| APR | 4.029 | 3.258 | 3.793 | 3.231 | 3.033 | 3.403 |
| >$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 |
| APR | 4.137 | 3.512 | 4.015 | 3.430 | 3.537 | 3.785 |
| Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.241 | 3.671 | ------ | ------ | 3.410 | 3.660 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 |
| APR | 4.401 | 3.706 | 4.198 | 3.743 | 4.171 | 4.299 |
| ******************************* 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 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 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 | 4.125 | 3.500 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.970 | 3.208 | 3.754 | 3.158 | 2.996 | 3.272 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.237 | 3.729 | ------ | ------ | 3.387 | 3.640 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 |
| APR | 4.371 | 3.655 | 4.158 | 3.669 | 4.024 | 4.011 |
| ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.500 | 4.125 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.875 | 3.990 |
| >$417K | 4.500 | 4.375 | ------ | ------ | 3.875 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.973 | 3.214 | 3.759 | 3.168 | 3.000 | 3.276 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.240 | 3.734 | ------ | ------ | 3.389 | 3.642 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 |
| APR | 4.282 | 3.662 | 4.163 | 3.679 | 4.028 | 4.015 |
| ******************************* 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 | 3.500 | 4.000 | 3.375 | 3.875 | 3.990 |
| >$417K | 4.500 | 4.125 | ------ | ------ | 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 | 3.750 | 4.125 | 3.625 | ------ | 4.375 |
| >$417K | 4.500 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 |
| APR | 4.002 | 3.224 | 3.792 | 3.230 | 3.026 | 3.396 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.238 | 3.730 | ------ | ------ | 3.385 | 3.638 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 4.125 | 3.990 |
| APR | 4.287 | 3.670 | 4.190 | 3.691 | 4.164 | 4.043 |
| ******************************* 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 | 4.250 | 3.625 | 4.125 | 3.500 | ------ | 4.500 |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.125 | 3.750 | ------ | ------ |
| >$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 |
| APR | 4.035 | 3.238 | 3.758 | 3.167 | 3.038 | 3.409 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.241 | 3.735 | ------ | ------ | 3.390 | 3.643 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 |
| APR | 4.296 | 3.686 | 4.163 | 3.720 | 4.177 | 4.304 |
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
