【房贷利率】12月20日星期四（利率持平） | Welcome

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【房贷利率】12月20日星期四（利率持平）

奇虎贷款利率

奇虎贷款-100436 12/20 11671

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（12月20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4.625%，15年固定利率保持在4.125%，
5/1 ARM利率保持在4.250%。购房贷款40万左右，30年固定利率保持在4.500%，15年固定
利率保持在3.875%，5/1 ARM利率保持在4.125%.
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 $484K, High-Balance Loan $726K, Jumbo Loan $800K. 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 4.750 4.250 ------ ------ 4.250 ------
Jumbo 5.000 4.625 ------ ------ 4.375 4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.625 4.375 ------ ------
>$453K 4.875 4.500 ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.530 3.964 4.402 4.004 4.165 4.290
>$453K 4.625 4.125 ------ ------ 4.125 ------
APR 4.668 4.161 ------ ------ 4.156 ------
Jumbo 4.750 4.125 ------ ------ 4.000 4.125
APR 4.778 4.192 ------ ------ 4.037 4.152
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.042 4.716 4.917 4.756 ------ ------
* MARYLAND *
(Based on Conforming Loan $484K, High-Balance Loan $726K. 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 4.250 4.375
>$453K 5.000 4.625 ------ ------ 4.375 4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.625 4.375 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.501 3.913 4.361 3.930 4.136 4.261
>$453K 4.750 4.125 ------ ------ 4.000 4.125
APR 4.753 4.148 ------ ------ 4.013 4.127
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.012 4.664 4.876 4.680 ------ ------
VIRGINIA *
(Based on Conforming Loan $484K, High-Balance Loan $726K. 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 4.750 4.125 4.500 4.125 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.375 4.750 4.375 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.494 3.920 4.367 3.939 4.140 4.265
>$453K 4.750 4.125 ------ ------ 4.000 4.125
APR 4.755 4.153 ------ ------ 4.015 4.130
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.005 4.671 4.881 4.690 ------ ------
* 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 4.750 4.375 4.625 4.375 ------ ------
>$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 5.500 5.125 5.625 ------ ------ ------
>$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 4.375 3.875 4.250 3.875 4.125 4.250
APR 4.427 3.928 4.321 3.952 4.166 4.291
>$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 4.875 4.625 4.875 4.625 ------ ------
APR 4.917 4.679 4.888 4.703 ------ ------
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 4.875 4.625 4.875 4.625 ------ ------
>$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 5.125 ------ 5.000 ------ ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.508 3.944 4.386 3.975 4.164 4.289
>$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 4.875 4.625 4.875 4.625 ------ ------
APR 4.927 4.695 4.901 4.726 ------ ------
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 4.750 4.375 4.625 4.375 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.625 4.875 4.625 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.523 3.970 4.406 4.012 4.179 4.304
>$453K 4.750 4.125 ------ ------ 4.000 4.125
APR 4.762 4.164 ------ ------ 4.022 4.136
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.625 4.875 4.625 ------ ------
APR 4.942 4.722 4.922 4.764 ------ ------
WASHINGTON
(Based on Conforming Loan $484K, High-Balance Loan $726K, Jumbo Loan $800K. 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 4.250 4.375
>$453K 5.000 4.625 ------ ------ 4.375 4.500
Jumbo 5.000 4.500 ------ ------ 4.250 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.625 4.375 ------ ------
>$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 4.500 3.875 4.375 3.875 4.125 4.250
APR 4.500 3.912 4.360 3.928 4.135 4.261
>$453K 4.750 4.125 ------ ------ 4.000 4.125
APR 4.752 4.147 ------ ------ 4.012 4.127
Jumbo 4.750 4.125 ------ ------ 4.000 4.125
APR 4.747 4.138 ------ ------ 4.007 4.122
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.625 4.875 4.625 ------ ------
APR 5.011 4.663 4.875 4.679 ------ ------
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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