【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（03月27日 星期一)开盘时的房贷利率价格和上个工作日相比略微下降
。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年固定利率稳定在3.
250%，5/1 ARM下降在3.125%。购房贷款40万左右，30年固定的利率下降在3.950%，
15年固定利率稳定在3.250%，5/1 ARM下降在2.875%.
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 | 3.750 | 3.250 | 3.125 | 3.375 |
| >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.625 | 3.625 |
| Jumbo | 4.250 | 3.875 | 4.500 | ------ | 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 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 2.875 | 3.250 |
| APR | 3.994 | 3.222 | 3.684 | 3.194 | 2.924 | 3.281 |
| >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| APR | 4.139 | 3.306 | 3.920 | 3.222 | 3.421 | 3.665 |
| Jumbo | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.256 | 3.786 | 4.398 | ------ | 3.523 | 3.641 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 4.000 |
| APR | 4.401 | 3.688 | 4.164 | 3.617 | 3.782 | 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 | 3.750 | 3.125 | 3.125 | 3.375 |
| >$417K | 4.375 | 4.000 | 4.500 | ------ | 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 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.375 | 4.000 | 4.500 | ------ | 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 | 3.625 | 3.000 | 2.875 | 3.250 |
| APR | 3.963 | 3.172 | 3.641 | 3.062 | 2.892 | 3.249 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.231 | 3.779 | 4.362 | ------ | 3.499 | 3.617 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 4.000 |
| APR | 4.371 | 3.637 | 4.112 | 3.544 | 3.753 | 4.003 |
| ******************************* 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 | 3.250 | 3.500 |
| >$417K | 4.750 | 4.125 | 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 | 4.250 | 3.500 | 3.950 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.875 | 4.125 | 4.625 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 3.250 | 3.625 | 3.000 | 2.875 | 3.250 |
| APR | 3.961 | 3.178 | 3.638 | 3.072 | 2.896 | 3.252 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.233 | 3.783 | 4.366 | ------ | 3.501 | 3.619 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
| APR | 4.282 | 3.644 | 4.117 | 3.553 | 3.757 | 3.902 |
| ******************************* 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 | 3.875 | 3.250 | 3.375 | 3.625 |
| >$417K | 4.875 | 4.250 | 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 | 3.625 | 4.875 | 4.375 |
| >$417K | 4.875 | 4.250 | 4.625 | ------ | 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 | 3.625 | 3.000 | 2.875 | 3.250 |
| APR | 3.921 | 3.206 | 3.666 | 3.093 | 2.904 | 3.260 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.229 | 3.776 | 4.366 | ------ | 3.497 | 3.615 |
| 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 | 3.750 | 3.875 |
| APR | 4.287 | 3.600 | 4.148 | 3.566 | 3.773 | 3.917 |
| ******************************* 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 | 4.875 | 4.500 |
| >$417K | 5.125 | 4.500 | 4.875 | ------ | 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 | ------ | 4.750 |
| >$417K | 5.125 | 4.500 | 4.875 | ------ | 4.250 | 4.250 |
| 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 | 3.250 |
| APR | 3.930 | 3.222 | 3.742 | 3.137 | 2.923 | 3.279 |
| >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| APR | 4.234 | 3.784 | 4.366 | ------ | 3.502 | 3.620 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 4.000 |
| APR | 4.296 | 3.668 | 4.159 | 3.588 | 3.798 | 4.040 |
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
