【房贷利率】2月5日星期一（利率持平） | 奇虎贷款

【房贷利率】2月5日星期一（利率持平）

🌟奇虎贷款利率

奇虎贷款-100436 02/05 9412

4.0/1

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

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