【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（02月23日 星期四)开盘时的房贷利率价格和上个工作日相比持平
。目前重新贷款40万左右的利率，30年固定利率稳定在4.000%，15年固定利率稳定至3.
250%，5/1 ARM稳定在3.250%。购房贷款40万左右，30年固定的利率稳定在3.950%，
15年固定利率稳定在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 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.200 | 3.375 | 4.000 | 3.250 | 3.625 | 3.875 |
| Jumbo | 4.250 | 3.500 | 4.375 | ------ | 3.750 | 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 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.500 | 3.875 | 4.375 | ------ | 3.750 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 2.990 | 3.125 |
| APR | 3.931 | 3.204 | 3.770 | 3.199 | 3.032 | 3.178 |
| >$417K | 4.050 | 3.250 | 4.000 | 3.250 | 3.375 | 3.500 |
| APR | 4.089 | 3.309 | 3.999 | 3.264 | 3.406 | 3.542 |
| Jumbo | 4.125 | 3.375 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.148 | 3.410 | 4.272 | ------ | 3.535 | 3.651 |
| 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 | 3.625 | 3.875 |
| APR | 4.297 | 3.599 | 4.144 | 3.564 | 3.657 | 3.907 |
| ******************************* 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 | 3.125 | 3.375 |
| >$417K | 4.375 | 3.750 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 3.750 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 2.875 | 3.125 |
| APR | 3.902 | 3.154 | 3.727 | 3.084 | 2.899 | 3.140 |
| >$417K | 4.125 | 3.375 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.144 | 3.403 | 4.237 | ------ | 3.511 | 3.627 |
| 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 | 3.625 | 3.625 |
| APR | 4.267 | 3.548 | 4.106 | 3.491 | 3.628 | 3.635 |
| ******************************* 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 | 3.875 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.500 | 3.875 | 4.500 | ------ | 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 | 3.375 | 3.950 | 3.375 | 3.625 | 3.750 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 2.875 | 3.125 |
| APR | 3.896 | 3.160 | 3.724 | 3.094 | 2.903 | 3.144 |
| >$417K | 4.125 | 3.375 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.147 | 3.408 | 4.241 | ------ | 3.514 | 3.630 |
| 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 | 3.625 | 3.875 |
| APR | 4.261 | 3.555 | 4.109 | 3.501 | 3.632 | 3.882 |
| ******************************* 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 | 3.950 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.500 | 3.875 | 4.500 | ------ | 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 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 |
| >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.875 | 3.125 |
| APR | 3.901 | 3.206 | 3.754 | 3.118 | 2.911 | 3.171 |
| >$417K | 4.125 | 3.375 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.145 | 3.404 | 4.241 | ------ | 3.510 | 3.625 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.625 | 3.875 |
| APR | 4.266 | 3.564 | 4.079 | 3.493 | 3.672 | 3.923 |
| ******************************* 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 | 4.000 | 3.375 | 4.125 | 3.990 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | ------ | 4.500 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.500 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 |
| APR | 3.909 | 3.222 | 3.778 | 3.140 | 3.037 | 3.276 |
| >$417K | 4.125 | 3.375 | 4.250 | ------ | 3.500 | 3.625 |
| APR | 4.147 | 3.409 | 4.241 | ------ | 3.514 | 3.630 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.750 | 3.375 | 3.625 | 3.875 |
| APR | 4.275 | 3.579 | 3.781 | 3.516 | 3.673 | 3.924 |
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
