【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（03月16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4.250%，15年固定利率稳定在3.
375%，5/1 ARM稳定至3.375%。购房贷款40万左右，30年固定的利率稳定在4.125%，
15年固定利率稳定在3.250%，5/1 ARM稳定至3.125%.
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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 |
| >$417K | 4.375 | 3.500 | 4.250 | 3.625 | 3.875 | 4.000 |
| Jumbo | 4.375 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
| 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 | 3.625 | 3.875 |
| >$417K | 4.750 | 4.250 | 4.625 | ------ | 4.000 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.161 | 3.330 | 3.990 | 3.288 | 3.177 | 3.419 |
| >$417K | 4.200 | 3.375 | 4.125 | 3.375 | 3.750 | 3.875 |
| APR | 4.250 | 3.454 | 4.176 | 3.492 | 3.781 | 3.899 |
| Jumbo | 4.250 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.287 | 3.785 | 4.523 | ------ | 3.659 | 3.777 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.875 | 4.125 |
| APR | 4.547 | 3.920 | 4.415 | 3.868 | 3.907 | 4.158 |
| ******************************* 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 | 4.250 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 |
| >$417K | 4.500 | 4.125 | 4.625 | ------ | 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 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 |
| >$417K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.132 | 3.280 | 3.947 | 3.215 | 3.145 | 3.392 |
| >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.365 | 3.778 | 4.487 | ------ | 3.635 | 3.754 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 3.950 | 3.750 | 3.875 | 4.125 |
| APR | 4.518 | 3.869 | 3.939 | 3.794 | 3.878 | 4.128 |
| ******************************* 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 | 4.125 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.625 | 4.375 | 4.750 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | 3.750 | 4.000 |
| >$417K | 4.625 | 4.375 | 4.750 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.125 | 3.287 | 3.944 | 3.224 | 3.148 | 3.395 |
| >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.367 | 3.783 | 4.491 | ------ | 3.637 | 3.757 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.875 | 4.125 |
| APR | 4.511 | 3.875 | 4.368 | 3.804 | 3.882 | 4.132 |
| ******************************* 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 | 4.375 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 |
| >$417K | 4.625 | 4.375 | 4.750 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | 4.500 |
| >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.130 | 3.295 | 3.975 | 3.236 | 3.156 | 3.410 |
| >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.365 | 3.780 | 4.491 | ------ | 3.633 | 3.753 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.125 |
| APR | 4.516 | 3.851 | 4.330 | 3.771 | 3.923 | 4.174 |
| ******************************* 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 | 4.500 | 3.750 | 4.250 | 3.625 | 4.500 | 4.500 |
| >$417K | 4.750 | 4.750 | 5.000 | ------ | 4.375 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.875 | 4.375 | 3.875 | ------ | 4.750 |
| >$417K | 4.875 | 4.750 | 5.000 | ------ | 4.500 | 4.375 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.250 | 3.950 | 3.250 | 3.125 | 3.375 |
| APR | 4.139 | 3.311 | 3.999 | 3.259 | 3.175 | 3.418 |
| >$417K | 4.375 | 3.750 | 4.500 | ------ | 3.625 | 3.750 |
| APR | 4.368 | 3.784 | 4.491 | ------ | 3.638 | 3.757 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.875 | 4.125 |
| APR | 4.525 | 3.900 | 4.395 | 3.839 | 3.924 | 4.175 |
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
