【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（06月26日 星期一)开盘时的房贷利率价格和上个工作日相比下降。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年固定利率下降在3.
125%，5/1 ARM下降在3.250%。购房贷款40万左右，30年固定的利率稳定在3.750%，
15年固定利率下降在2.990%，5/1 ARM下降在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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.375 |
| >$417K | 3.950 | 3.250 | 3.750 | 3.250 | 3.625 | 3.500 |
| Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.500 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.950 | 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 | 3.765 | 3.041 | 3.510 | 2.866 | 3.043 | 3.274 |
| >$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.375 | 3.375 |
| APR | 3.799 | 3.162 | 3.678 | 3.122 | 3.411 | 3.404 |
| Jumbo | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.878 | 3.389 | 4.151 | ------ | 3.274 | 3.289 |
| 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 | 3.500 | 3.625 |
| APR | 4.150 | 3.560 | 3.933 | 3.466 | 3.537 | 3.662 |
| ******************************* 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 | 3.500 | 3.000 | 3.250 | 3.375 |
| >$417K | 4.000 | 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 | 3.950 | 3.250 | 3.625 | 3.250 | 3.625 | 3.625 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 2.875 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.737 | 2.928 | 3.413 | 2.794 | 3.016 | 3.154 |
| >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.864 | 3.382 | 4.117 | ------ | 3.265 | 3.268 |
| 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 | 3.500 | 3.625 |
| APR | 4.121 | 3.491 | 3.890 | 3.392 | 3.509 | 3.634 |
| ******************************* 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.750 | 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 | 3.950 | 3.375 | 3.750 | 3.250 | 3.750 | 3.875 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.656 | 2.935 | 3.410 | 2.777 | 3.020 | 3.158 |
| >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.866 | 3.387 | 4.121 | ------ | 3.268 | 3.271 |
| 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 | 3.500 | 3.625 |
| APR | 4.115 | 3.498 | 3.887 | 3.402 | 3.512 | 3.637 |
| ******************************* 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 | 3.875 | 3.250 | 3.750 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.125 | 3.750 | 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 | 3.500 | 3.875 | 3.500 | ------ | 4.125 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 3.000 | 3.250 |
| APR | 3.660 | 2.973 | 3.447 | 2.878 | 3.044 | 3.275 |
| >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.862 | 3.384 | 4.122 | ------ | 3.264 | 3.267 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 |
| APR | 4.057 | 3.457 | 3.924 | 3.395 | 3.557 | 3.683 |
| ******************************* 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 | 4.000 | 3.375 | 3.875 | 3.250 | ------ | 4.125 |
| >$417K | 4.250 | 4.000 | 4.750 | ------ | 3.875 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.625 | 4.000 | 3.500 | ------ | 4.500 |
| >$417K | 4.375 | 4.375 | 4.750 | ------ | 3.875 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.990 | 3.500 | 2.750 | 3.000 | 3.250 |
| APR | 3.669 | 3.054 | 3.525 | 2.894 | 3.043 | 3.273 |
| >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.867 | 3.388 | 4.122 | ------ | 3.269 | 3.271 |
| 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 | 3.500 | 3.750 |
| APR | 4.129 | 3.472 | 3.948 | 3.437 | 3.558 | 3.782 |
lease 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
