【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（1月5日 星期四)开盘时的房贷利率价格和上个工作日相比趋于下降
。目前重新贷款40万左右的利率，30年固定利率下降在4.000%，15年固定利率稳定至
3.250%，5/1 ARM下降在3.375%。购房贷款40万左右，30年固定的利率稳定在3.950%，
15年固定利率下降在3.125%，5/1 ARM稳定至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 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.200 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 |
| Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 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 | 4.000 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.250 | 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 | 3.250 |
| APR | 3.992 | 3.223 | 3.809 | 3.268 | 3.021 | 3.292 |
| >$417K | 4.050 | 3.375 | 4.000 | 3.625 | 3.500 | 3.750 |
| APR | 4.084 | 3.453 | 4.003 | 3.696 | 3.531 | 3.772 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.260 | 3.809 | ------ | ------ | 3.402 | 3.651 |
| 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 | 4.297 | 3.688 | 4.189 | 3.716 | 4.050 | 4.032 |
| ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.500 |
| >$417K | 4.375 | 4.125 | ------ | ------ | 3.625 | 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 | 4.000 | 3.375 | 3.625 | 3.750 |
| >$417K | 4.375 | 4.250 | ------ | ------ | 3.625 | 3.875 |
| 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 | 3.250 |
| APR | 3.953 | 3.157 | 3.755 | 3.194 | 2.984 | 3.255 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.235 | 3.899 | ------ | ------ | 3.379 | 3.627 |
| 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 | 3.875 | 3.990 |
| APR | 4.267 | 3.635 | 4.149 | 3.642 | 3.904 | 3.992 |
| ******************************* 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 | 3.990 | 3.375 | 3.500 | 3.625 |
| >$417K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 |
| >$417K | ------ | ------ | ------ | ------ | 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 | 3.250 |
| APR | 3.957 | 3.164 | 3.760 | 3.204 | 2.988 | 3.258 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.238 | 3.904 | ------ | ------ | 3.381 | 3.629 |
| 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 | 3.875 | 3.990 |
| APR | 4.261 | 3.642 | 4.154 | 3.652 | 3.908 | 3.996 |
| ******************************* 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 | 4.000 | 3.375 | 3.750 | 3.875 |
| >$417K | ------ | ------ | ------ | ------ | 3.750 | 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 | 3.750 | 4.125 | 4.250 |
| >$417K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.921 | 3.188 | 3.799 | 3.216 | 3.014 | 3.285 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.234 | 3.897 | ------ | ------ | 3.377 | 3.625 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 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 |
| APR | 4.266 | 3.600 | 4.161 | 3.645 | 4.043 | 4.024 |
| ******************************* 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 | 3.500 | 4.125 | 3.500 | ------ | 4.250 |
| >$417K | ------ | ------ | ------ | ------ | ------ | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 |
| APR | 3.930 | 3.203 | 3.816 | 3.239 | 3.026 | 3.297 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.238 | 3.905 | ------ | ------ | 3.382 | 3.630 |
| 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 | 4.275 | 3.668 | 4.173 | 3.687 | 4.056 | 4.037 |
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
