【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（06月16日 星期五)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年固定利率稳定在3.875%，15年固定利率稳定在3.125%，5/1 ARM上升在3.250%。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2.990%，5/1 ARM上升到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) |
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| 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 | 3.250 | 3.375 |
| >$417K | 4.000 | 3.250 | 3.875 | 3.375 | 3.500 | 3.500 |
| Jumbo | 4.000 | 3.500 | ------ | ------ | 3.375 | 3.375 |
| 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 | 3.750 | 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 | 2.990 | 3.500 | 2.750 | 3.000 | 3.250 |
| APR | 3.785 | 3.065 | 3.541 | 2.890 | 3.043 | 3.274 |
| >$417K | 3.800 | 3.125 | 3.750 | 3.125 | 3.375 | 3.375 |
| APR | 3.847 | 3.174 | 3.772 | 3.237 | 3.395 | 3.403 |
| Jumbo | 3.875 | 3.375 | ------ | ------ | 3.125 | 3.250 |
| APR | 3.882 | 3.389 | ------ | ------ | 3.164 | 3.281 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.375 | 4.125 | 3.875 |
| APR | 4.171 | 3.579 | 4.057 | 3.519 | 4.165 | 3.932 |
| ******************************* MARYLAND ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) |
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| 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 | 3.250 | 3.375 |
| >$417K | 4.000 | 3.625 | ------ | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
| >$417K | 4.000 | 3.625 | ------ | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.500 | 2.750 | 3.000 | 3.125 |
| APR | 3.751 | 2.997 | 3.502 | 2.817 | 3.016 | 3.148 |
| >$417K | 3.875 | 3.375 | ------ | ------ | 3.250 | 3.250 |
| APR | 3.875 | 3.383 | ------ | ------ | 3.260 | 3.267 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.375 | 4.000 | 3.875 |
| APR | 4.142 | 3.510 | 4.002 | 3.445 | 4.022 | 3.893 |
| ******************************* VIRGINIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.750 | ------ | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.500 | 2.750 | 3.000 | 3.125 |
| APR | 3.750 | 3.003 | 3.493 | 2.801 | 3.020 | 3.152 |
| >$417K | 3.875 | 3.375 | ------ | ------ | 3.250 | 3.250 |
| APR | 3.878 | 3.387 | ------ | ------ | 3.263 | 3.270 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.375 | 4.000 | 3.875 |
| APR | 4.136 | 3.517 | 4.008 | 3.450 | 4.026 | 3.897 |
| ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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| 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 | 4.125 | 3.750 | ------ | ------ | 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 | 3.625 | 4.000 | 3.500 | ------ | 3.990 |
| >$417K | 4.250 | 3.875 | ------ | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.681 | 3.052 | 3.546 | 2.962 | 3.028 | 3.272 |
| >$417K | 3.875 | 3.375 | ------ | ------ | 3.250 | 3.250 |
| APR | 3.874 | 3.384 | ------ | ------ | 3.261 | 3.266 |
| 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 | 4.000 | 3.875 |
| APR | 4.140 | 3.545 | 3.954 | 3.467 | 4.035 | 3.925 |
| ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | ------ | 4.125 |
| >$417K | 4.250 | 4.000 | ------ | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.000 | 3.500 | ------ | 4.500 |
| >$417K | 4.375 | ------ | ------ | ------ | 3.875 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
| APR | 3.764 | 3.074 | 3.550 | 2.978 | 3.043 | 3.273 |
| >$417K | 3.875 | 3.375 | ------ | ------ | 3.250 | 3.250 |
| APR | 3.878 | 3.388 | ------ | ------ | 3.263 | 3.270 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 3.990 | 3.375 | 4.125 | 3.990 |
| APR | 4.149 | 3.561 | 4.065 | 3.490 | 4.163 | 4.028 |
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
