【房贷利率】1月26日星期四
奇虎贷款-100436 01/26 6113
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 Visa的Jumbo loan;
(5) 纯外国人贷款
SUMMARY:今天(1月26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4.125%,15年固定利率保持在3.375%,
5/1 ARM利率保持在3.375%。购房贷款40万左右,30年固定利率保持在4.000%,15年固定
利率保持在3.250%,5/1 ARM利率保持在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 | |
<=$424K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.750 |
>$424K | 4.375 | 3.500 | 4.125 | 3.625 | 3.750 | 4.000 |
Jumbo | 4.375 | 3.750 | ------ | ------ | 3.625 | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 3.990 |
>$424K | 4.500 | 4.000 | 4.500 | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
APR | 4.046 | 3.258 | 3.934 | 3.261 | 3.159 | 3.304 |
>$424K | 4.200 | 3.375 | 4.000 | 3.500 | 3.500 | 3.750 |
APR | 4.226 | 3.439 | 4.062 | 3.618 | 3.540 | 3.781 |
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.250 | 3.667 | ------ | ------ | 3.414 | 3.655 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.500 |
APR | 4.433 | 3.725 | 4.300 | 3.769 | 4.303 | 4.552 |
************* 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 | |
<=$424K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.625 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 3.990 |
>$424K | 4.500 | 4.000 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
APR | 4.017 | 3.208 | 3.887 | 3.188 | 3.131 | 3.276 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.246 | 3.725 | ------ | ------ | 3.391 | 3.639 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.375 |
APR | 4.403 | 3.674 | 4.259 | 3.695 | 4.269 | 4.399 |
************** 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 | |
<=$424K | 4.125 | 3.375 | 4.125 | 3.375 | 3.625 | 3.875 |
>$424K | 4.500 | 4.125 | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 4.125 |
>$424K | 4.500 | 4.250 | ------ | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
APR | 4.011 | 3.214 | 3.892 | 3.198 | 3.135 | 3.280 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.249 | 3.730 | ------ | ------ | 3.393 | 3.642 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.375 |
APR | 4.396 | 3.680 | 4.265 | 3.705 | 4.273 | 4.409 |
************* 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 | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 4.000 |
>$424K | 4.500 | 4.125 | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ |
>$424K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
APR | 4.015 | 3.223 | 3.904 | 3.210 | 3.159 | 3.305 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.247 | 3.726 | ------ | ------ | 3.389 | 3.638 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.375 |
APR | 4.401 | 3.689 | 4.272 | 3.717 | 4.281 | 4.411 |
************* 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 | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
>$424K | 4.625 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.500 | 3.750 | 4.375 | 3.750 | ------ | ------ |
>$424K | 4.750 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
APR | 4.024 | 3.238 | 3.931 | 3.233 | 3.158 | 3.303 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.249 | 3.731 | ------ | ------ | 3.394 | 3.642 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.500 |
APR | 4.410 | 3.705 | 4.284 | 3.740 | 4.302 | 4.550 |
************** 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 | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 4.125 |
>$424K | 4.500 | 4.250 | ------ | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.500 |
>$424K | 4.625 | 4.375 | ------ | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 |
APR | 4.039 | 3.264 | 3.945 | 3.271 | 3.172 | 3.318 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.255 | 3.741 | ------ | ------ | 3.399 | 3.648 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.250 | 3.625 | 4.250 | 4.500 |
APR | 4.426 | 3.731 | 4.305 | 3.779 | 4.311 | 4.560 |
************ WASHINGTON ************ (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 | |
<=$424K | 4.200 | 3.500 | 4.000 | 3.375 | 3.375 | 3.625 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 |
Jumbo | 4.375 | 3.750 | ------ | ------ | 3.500 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.125 | 3.625 | 3.625 | 3.875 |
>$424K | 4.500 | 4.000 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.050 | 3.250 | 3.875 | 3.250 | 3.125 | 3.375 |
APR | 4.064 | 3.282 | 3.881 | 3.217 | 3.147 | 3.396 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.246 | 3.724 | ------ | ------ | 3.390 | 3.639 |
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.219 | 3.614 | ------ | ------ | 3.366 | 3.614 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.450 | 3.750 | 4.250 | 3.750 | 4.250 | 4.375 |
APR | 4.466 | 3.796 | 4.277 | 3.820 | 4.265 | 4.402 |
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: (949) 829-3863
Fax: (877) 442-7883
apply@tigerloans.com
Texas:
2775 Villa Creek Road, Ste 124
Dallas, TX 75234
Phone: (866) 269-9847
Fax: (877) 442-7883