【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（04月19日 星期三)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3.875%，15年固定利率下降到3.
125%，5/1 ARM稳定在3.125%。购房贷款40万左右，30年固定的利率稳定在3.750%，
15年固定利率稳定在3.000%，5/1 ARM稳定在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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.375 |
| >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 |
| Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 2.875 | 3.125 |
| APR | 3.785 | 3.062 | 3.525 | 3.006 | 2.928 | 3.179 |
| >$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 4.022 | 3.191 | 3.804 | 3.221 | 3.285 | 3.529 |
| Jumbo | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 4.027 | 3.555 | 4.147 | ------ | 3.399 | 3.408 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
| APR | 4.171 | 3.544 | 3.927 | 3.466 | 3.657 | 3.782 |
| ******************************* 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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.375 |
| >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 2.875 | 3.125 |
| APR | 3.757 | 3.012 | 3.483 | 2.896 | 2.901 | 3.148 |
| >$417K | 4.000 | 3.625 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 4.002 | 3.615 | 4.112 | ------ | 3.375 | 3.384 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
| APR | 4.142 | 3.494 | 3.884 | 3.392 | 3.628 | 3.753 |
| ******************************* 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.250 | 3.500 |
| >$417K | 4.625 | 4.000 | 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 | 4.000 | 3.375 | 3.750 | 3.250 | 3.750 | 3.750 |
| >$417K | 4.625 | 4.000 | 4.375 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 2.875 | 3.125 |
| APR | 3.750 | 3.018 | 3.480 | 2.906 | 2.904 | 3.151 |
| >$417K | 4.000 | 3.625 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 4.005 | 3.619 | 4.116 | ------ | 3.378 | 3.387 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
| APR | 4.136 | 3.500 | 3.881 | 3.402 | 3.632 | 3.757 |
| ******************************* 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.625 | 4.125 | 4.375 | ------ | 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 | 3.500 | 3.875 | 3.500 | 4.000 | 3.990 |
| >$417K | 4.625 | 4.125 | 4.375 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 2.875 | 3.125 |
| APR | 3.755 | 3.027 | 3.510 | 2.951 | 2.928 | 3.179 |
| >$417K | 4.000 | 3.625 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 4.001 | 3.612 | 4.116 | ------ | 3.374 | 3.383 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 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 |
| APR | 4.140 | 3.457 | 3.911 | 3.395 | 3.672 | 3.798 |
| ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 4.000 | 3.990 |
| >$417K | 4.875 | 4.375 | 4.625 | ------ | 4.000 | 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 | 3.950 | 3.500 | 4.375 | 4.375 |
| >$417K | 4.875 | 4.375 | 4.625 | ------ | 4.125 | 4.125 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 2.875 | 3.125 |
| APR | 3.764 | 3.042 | 3.534 | 2.965 | 2.927 | 3.178 |
| >$417K | 4.000 | 3.625 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 4.006 | 3.620 | 4.116 | ------ | 3.378 | 3.387 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 |
| APR | 4.149 | 3.472 | 3.936 | 3.437 | 3.673 | 3.798 |
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
