【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（05月04日 星期四)开盘时的房贷利率价格和上个工作日相比略微上涨
。目前重新贷款40万左右的利率，30年固定利率上涨在4.000%，15年固定利率稳定在3.
250%，5/1 ARM稳定到3.250%。购房贷款40万左右，30年固定的利率稳定在3.875%，
15年固定利率稳定在3.125%，5/1 ARM稳定在3.000%.
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 | 3.750 | 3.125 | 3.250 | 3.500 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 |
| Jumbo | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.375 | 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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 |
| APR | 3.910 | 3.187 | 3.664 | 3.116 | 3.053 | 3.294 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.500 |
| APR | 4.130 | 3.297 | 3.995 | 3.269 | 3.524 | 3.543 |
| Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.375 | 3.500 |
| APR | 4.022 | 3.563 | 4.272 | ------ | 3.408 | 3.519 |
| 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 | 4.286 | 3.599 | 4.131 | 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 | 3.750 | 3.125 | 3.250 | 3.500 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
| 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 | 3.625 | 3.750 |
| >$417K | 4.250 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| 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 | 3.000 | 3.250 |
| APR | 3.882 | 3.137 | 3.622 | 3.043 | 3.026 | 3.266 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 |
| APR | 4.018 | 3.620 | 4.237 | ------ | 3.385 | 3.495 |
| 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 | 4.257 | 3.548 | 4.091 | 3.491 | 3.628 | 3.878 |
| ******************************* 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 | 3.750 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.250 | 4.000 | 4.500 | ------ | 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 | 3.875 | 3.375 | 3.750 | 3.875 |
| >$417K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.750 |
| 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 | 3.000 | 3.250 |
| APR | 3.875 | 3.143 | 3.619 | 3.053 | 3.030 | 3.270 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 |
| APR | 4.021 | 3.625 | 4.241 | ------ | 3.387 | 3.498 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 4.125 | 3.875 |
| APR | 4.250 | 3.555 | 4.036 | 3.501 | 4.144 | 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 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.250 | 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 | 4.250 | 3.625 | 4.000 | 3.625 | 4.250 | 4.250 |
| >$417K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.625 | 3.000 | 3.000 | 3.250 |
| APR | 3.880 | 3.232 | 3.649 | 3.065 | 3.054 | 3.295 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 |
| APR | 4.019 | 3.622 | 4.241 | ------ | 3.383 | 3.494 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.625 | 4.250 |
| APR | 4.182 | 3.564 | 4.067 | 3.493 | 3.672 | 4.271 |
| ******************************* 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 | 3.500 | 4.000 | 3.375 | 4.250 | 4.250 |
| >$417K | 4.500 | 4.500 | 4.750 | ------ | 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 | 3.500 | 4.625 | 4.500 |
| >$417K | 4.500 | 4.500 | 4.750 | ------ | 4.000 | 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 | 3.000 | 3.250 |
| APR | 3.889 | 3.167 | 3.673 | 3.088 | 3.052 | 3.293 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 |
| APR | 4.022 | 3.626 | 4.241 | ------ | 3.388 | 3.498 |
| 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 | 4.264 | 3.579 | 4.077 | 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
