【房贷利率】3月22日星期四（利率持平） | 奇虎贷款

【房贷利率】3月22日星期四（利率持平）

🌟奇虎贷款利率 🌟奇虎贷款问答

奇虎贷款-100436 03/22 9365

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（3月22日星期四)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4.500%，15年固定利率保持在4.000%，
5/1 ARM利率保持在4.375%。购房贷款40万左右，30年固定利率保持在4.375%，15年固定
利率保持在3.750%，5/1 ARM利率保持在3.875%.
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 4.500 4.000 4.250 4.000 ------ ------
>$453K 4.625 4.125 4.625 ------ ------ ------
Jumbo 4.500 ------ ------ ------ ------ ------
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 ------ ------
>$453K 5.125 4.750 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.875 4.000
APR 4.401 3.850 4.189 3.895 3.931 4.057
>$453K 4.450 4.000 4.450 ------ ------ ------
APR 4.497 4.066 4.515 ------ ------ ------
Jumbo 4.375 4.250 ------ ------ 4.000 4.000
APR 4.409 4.328 ------ ------ 4.044 4.044
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.798 ------ 4.580 ------ ------ ------
* 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 4.500 4.000 4.250 4.000 ------ ------
>$453K 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 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.875 4.000
APR 4.371 3.799 4.149 3.820 3.902 4.028
>$453K 4.375 4.250 ------ ------ 4.000 4.000
APR 4.384 4.284 ------ ------ 4.019 4.019
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.768 ------ 4.539 ------ ------ ------
* 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 4.500 4.000 4.375 4.000 ------ ------
>$453K 4.875 ------ ------ ------ ------ ------
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 5.250 4.875 5.000 ------ 4.500 4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.875 4.000
APR 4.365 3.806 4.154 3.830 3.906 4.031
>$453K 4.375 4.250 ------ ------ 4.000 4.000
APR 4.387 4.289 ------ ------ 4.022 4.022
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.761 ------ 4.544 ------ ------ ------
* 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 4.500 4.125 4.375 4.125 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 5.250 4.625 ------ ------ 5.375
>$453K 5.250 4.875 5.000 ------ 4.625 4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.125 3.750 3.875 4.000
APR 4.297 3.814 4.161 3.843 3.932 4.057
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.997 4.533 4.747 ------ 4.253 4.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.500 4.250 ------ ------
APR 4.684 4.352 4.551 4.397 ------ ------
* 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 4.625 4.250 4.500 4.250 ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 ------ 4.625 ------ ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.125 3.750 3.875 4.000
APR 4.306 3.830 4.173 3.865 3.930 4.056
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.998 4.534 4.747 ------ 4.253 4.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.775 ------ 4.564 ------ ------ ------
* 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 4.625 4.125 4.500 4.125 ------ ------
>$453K 4.875 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.125 3.750 3.875 4.000
APR 4.321 3.856 4.194 3.903 3.945 4.070
>$453K 4.375 4.250 ------ ------ 4.000 4.000
APR 4.393 4.300 ------ ------ 4.028 4.028
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.791 ------ 4.585 ------ ------ ------
* 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 4.500 4.000 4.250 4.000 ------ ------
>$453K 4.625 ------ ------ ------ ------ ------
Jumbo 4.500 ------ ------ ------ ------ ------
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 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.125 3.750 3.875 4.000
APR 4.371 3.798 4.148 3.819 3.902 4.027
>$453K 4.375 4.250 ------ ------ 4.000 4.000
APR 4.383 4.283 ------ ------ 4.019 4.019
Jumbo 4.375 4.250 ------ ------ 4.000 4.000
APR 4.378 4.275 ------ ------ 4.014 4.014
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.767 ------ 4.538 ------ ------ ------
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
arli@tigerloans.com

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