【房贷利率】2月5日星期一(利率持平)
奇虎贷款-100436 02/05 9400
注: 奇虎贷款能提供以下身份的贷款:
(1) 学生仍在OPT期间,使用EAD卡工作,还没有H1B,利率与公民无异;
(2) F1 OPT/EAD 的jumbo loan(比如没有抽到H1B用EAD卡工作);
(3) J1/J2签证,利率与公民无异;
(4) H1B, O-1, L-1, F1/OPT的Jumbo loan;
(5) 纯外国人贷款
SUMMARY:今天(2月5日 星期一)开盘时的房贷利率价格和上个工作日相比持平。目前
重新贷款40万左右的利率,30年固定利率保持在4.250%,15年固定利率保持在3.750%,
5/1 ARM利率保持在4.000%。购房贷款40万左右,30年固定利率上升至4.250%,15年固定
利率上升至3.625%,5/1 ARM利率保持在3.750%.
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 $453K, High-Balance Loan $636K, 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 | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
>$453K | 4.500 | 4.000 | 4.875 | ------ | 4.250 | 4.500 |
Jumbo | 4.500 | 4.500 | 4.875 | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.375 | 4.625 |
>$453K | 5.000 | 4.625 | 4.875 | ------ | 4.250 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.625 | 4.000 | 3.625 | 3.750 | 3.875 |
APR | 4.255 | 3.669 | 4.064 | 3.689 | 3.795 | 3.921 |
>$453K | 4.375 | 3.875 | 4.750 | ------ | 4.125 | 4.375 |
APR | 4.424 | 3.922 | 4.783 | ------ | 4.153 | 4.404 |
Jumbo | 4.250 | 4.125 | 4.750 | ------ | 3.875 | 4.000 |
APR | 4.284 | 4.203 | 4.777 | ------ | 3.918 | 4.023 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | 4.125 | 4.375 |
APR | 4.662 | 4.207 | 4.440 | 4.244 | 4.163 | 4.414 |
********** MARYLAND ********** (Based on Conforming Loan $453K, High-Balance Loan $636K. 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 | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
>$453K | 4.500 | 4.500 | 4.875 | ------ | 4.250 | 4.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.500 |
>$453K | 5.000 | 4.500 | 4.875 | ------ | 4.250 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.625 | 4.000 | 3.625 | 3.750 | 3.875 |
APR | 4.225 | 3.619 | 4.024 | 3.616 | 3.767 | 3.892 |
>$453K | 4.250 | 4.125 | 4.750 | ------ | 3.875 | 4.000 |
APR | 4.259 | 4.159 | 4.742 | ------ | 3.894 | 3.998 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | 4.125 | 4.375 |
APR | 4.632 | 4.156 | 4.399 | 4.169 | 4.134 | 4.384 |
************ VIRGINIA *********** (Based on Conforming Loan $453K, High-Balance Loan $636K. 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 | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.500 | 4.625 |
>$453K | 4.750 | 4.750 | 5.000 | ------ | 4.375 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | 4.500 | 4.625 |
>$453K | 5.125 | 4.750 | 5.000 | ------ | 4.375 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.625 | 4.000 | 3.625 | 3.750 | 3.875 |
APR | 4.157 | 3.625 | 4.029 | 3.626 | 3.771 | 3.896 |
>$453K | 4.250 | 4.125 | 4.750 | ------ | 3.875 | 4.000 |
APR | 4.261 | 4.164 | 4.746 | ------ | 3.896 | 4.001 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | 4.125 | 4.375 |
APR | 4.625 | 4.162 | 4.405 | 4.179 | 4.138 | 4.388 |
********** 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 | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | 5.375 |
>$453K | 5.125 | 4.750 | 5.000 | ------ | 4.375 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 5.125 | 4.500 | ------ | ------ | 5.375 |
>$453K | 5.125 | 4.750 | 5.000 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 |
APR | 4.161 | 3.582 | 4.036 | 3.619 | 3.796 | 3.921 |
>$453K | 4.875 | 4.375 | 4.750 | ------ | 4.125 | 4.375 |
APR | 4.872 | 4.408 | 4.747 | ------ | 4.128 | 4.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.000 | 4.375 | 4.000 | 4.125 | 4.375 |
APR | 4.548 | 4.102 | 4.411 | 4.147 | 4.184 | 4.435 |
********** FLORIDA ********** (Based on Conforming Loan $200K, Jumbo 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 | |
<=$453K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
>$453K | 5.500 | 5.000 | 5.375 | ------ | 5.000 | 5.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.250 | 4.500 | 4.250 | ------ | ------ |
>$453K | 5.500 | 5.000 | 5.375 | ------ | 5.000 | 5.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 |
APR | 4.170 | 3.598 | 4.048 | 3.642 | 3.794 | 3.920 |
>$453K | 4.875 | 4.375 | 4.750 | ------ | 4.125 | 4.375 |
APR | 4.873 | 4.409 | 4.747 | ------ | 4.128 | 4.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | 4.375 |
APR | 4.557 | 4.187 | 4.424 | 4.214 | ------ | 4.436 |
********** GEORGIA *********** (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 | |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | ------ | 5.375 |
>$453K | 4.750 | 4.750 | 5.125 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | 5.375 |
>$453K | 5.250 | 4.750 | 5.125 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.125 | 3.500 | 4.000 | 3.500 | 3.750 | 3.875 |
APR | 4.185 | 3.623 | 4.068 | 3.679 | 3.809 | 3.934 |
>$453K | 4.250 | 4.125 | 4.750 | ------ | 3.875 | 4.000 |
APR | 4.268 | 4.175 | 4.755 | ------ | 3.903 | 4.007 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | 4.125 | 4.375 |
APR | 4.572 | 4.213 | 4.444 | 4.252 | 4.200 | 4.447 |
********** WASHINGTON ********** (Based on Conforming Loan $453K, High-Balance Loan $636K, 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 | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
>$453K | 4.500 | 4.500 | 4.875 | ------ | 4.250 | 4.500 |
Jumbo | 4.500 | 4.500 | 4.875 | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.500 |
>$453K | 5.000 | 4.500 | 4.875 | ------ | 4.250 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.625 | 4.000 | 3.625 | 3.750 | 3.875 |
APR | 4.240 | 3.618 | 4.023 | 3.614 | 3.766 | 3.891 |
>$453K | 4.250 | 4.125 | 4.750 | ------ | 3.875 | 4.000 |
APR | 4.258 | 4.158 | 4.742 | ------ | 3.893 | 3.998 |
Jumbo | 4.250 | 4.125 | 4.750 | ------ | 3.875 | 4.000 |
APR | 4.253 | 4.149 | 4.734 | ------ | 3.889 | 3.993 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | 4.125 | 4.375 |
APR | 4.632 | 4.155 | 4.398 | 4.168 | 4.133 | 4.384 |
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。
奇虎贷款目前能做CA、GA、FL, MD, TX, VA和WA等7个州的房屋贷款,欢迎查询:
Northern California:
1525 McCarthy Blvd, Ste 1084
Milpitas, CA 95035
Phone: (408) 883-8283
Fax: (877) 442-7883
arli@tigerloans.com
Southern California:
780 Roosevelt, Ste 120
Irvine, CA 92620
Phone: (310) 667-6263
Fax: (877) 442-7883
apply@tigerloans.com