【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：今天（07月12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年固定利率下降在3.950%，15年固定利率稳定在3.
25%，5/1 ARM下降在3.375%。购房贷款40万左右，30年固定的利率稳定在3.875%，
15年固定利率下降在3.000%，5/1 ARM稳定在3.125%.
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 | 3.950 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 3.500 |
| Jumbo | 4.125 | 3.750 | 4.375 | ------ | 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 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.250 | 3.750 | 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 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.890 | 3.098 | 3.669 | 3.064 | 3.169 | 3.294 |
| >$417K | 3.990 | 3.250 | 3.875 | 3.250 | 3.375 | 3.500 |
| APR | 4.037 | 3.240 | 3.882 | 3.207 | 3.420 | 3.516 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 4.010 | 3.660 | 4.276 | ------ | 3.406 | 3.414 |
| 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 | 4.276 | 3.599 | 4.064 | 3.519 | 3.662 | 3.912 |
| ******************************* 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 | 3.950 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.875 | 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.125 | 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 | 3.875 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.861 | 3.048 | 3.626 | 2.991 | 3.141 | 3.266 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.986 | 3.640 | 4.242 | ------ | 3.383 | 3.390 |
| 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 | 4.246 | 3.548 | 4.024 | 3.445 | 3.634 | 3.884 |
| ******************************* 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 | 4.375 | 3.875 | 4.500 | ------ | 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 | 3.750 | 4.125 |
| >$417K | 4.750 | 4.250 | 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 | 3.000 | 3.625 | 3.000 | 3.125 | 3.250 |
| APR | 3.855 | 3.054 | 3.623 | 3.001 | 3.145 | 3.270 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.988 | 3.645 | 4.246 | ------ | 3.385 | 3.393 |
| 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 | 4.240 | 3.555 | 4.029 | 3.455 | 3.637 | 3.888 |
| ******************************* 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 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.625 | 4.250 | 4.500 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.125 | 3.750 | ------ | 4.875 |
| >$417K | 4.875 | 4.250 | 4.500 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.796 | 3.063 | 3.660 | 2.992 | 3.156 | 3.295 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.984 | 3.651 | 4.247 | ------ | 3.382 | 3.389 |
| 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 | 3.875 |
| APR | 4.172 | 3.564 | 4.036 | 3.467 | 3.683 | 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 | 4.125 | 3.500 | 4.000 | 3.375 | ------ | ------ |
| >$417K | 5.250 | 4.500 | 4.875 | ------ | 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 | 3.625 | 4.125 | 3.500 | ------ | ------ |
| >$417K | 5.250 | 4.500 | 4.875 | ------ | 4.000 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.805 | 3.078 | 3.684 | 3.015 | 3.168 | 3.293 |
| >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| APR | 3.989 | 3.659 | 4.247 | ------ | 3.386 | 3.393 |
| 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 | 3.875 |
| APR | 4.181 | 3.579 | 4.048 | 3.490 | 3.683 | 3.934 |
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
