【房贷利率】2月7日星期二 | 奇虎贷款

【房贷利率】2月7日星期二

🌟奇虎贷款利率

奇虎贷款-100436 02/07 4816

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 Visa的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（2月7日星期二)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4.000%，15年固定利率保持在3.250%，
5/1 ARM利率保持在3.250%。购房贷款40万左右，30年固定利率保持在3.990%，15年固定
利率保持在3.125%，5/1 ARM利率保持在3.000%.
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 4.000 3.250 3.875 3.250 3.250 3.500
>$424K 4.250 3.375 4.000 3.250 3.750 3.875
Jumbo 4.250 3.875 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.250 3.500 3.750
>$424K 4.375 3.875 4.375 ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.125 3.750 3.000 3.000 3.250
APR 4.035 3.223 3.828 3.143 3.044 3.290
>$424K 4.125 3.250 4.000 3.375 3.500 3.625
APR 4.152 3.333 4.000 3.482 3.531 3.657
Jumbo 4.125 3.750 ------ ------ 3.375 3.625
APR 4.168 3.783 ------ ------ 3.402 3.641
INVESTMENT PROPERTY - PURCHASE:
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 3.990
APR 4.307 3.599 4.160 3.564 3.910 4.020
* 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 4.000 3.250 3.875 3.250 3.125 3.500
>$424K 4.250 4.000 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.250 3.375 3.625
>$424K 4.375 4.125 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.125 3.750 3.000 3.000 3.250
APR 3.976 3.173 3.786 3.070 3.012 3.253
>$424K 4.125 3.750 ------ ------ 3.375 3.625
APR 4.143 3.776 ------ ------ 3.379 3.617
INVESTMENT PROPERTY - PURCHASE:
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 3.875
APR 4.278 3.548 4.120 3.491 3.774 3.904
* 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 3.250 4.000 3.250 3.375 3.625
>$424K ------ ------ ------ ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.375 3.625 3.750
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.000 3.250
APR 3.906 3.180 3.791 3.079 3.015 3.256
>$424K 4.125 3.750 ------ ------ 3.375 3.625
APR 4.146 3.781 ------ ------ 3.381 3.619
INVESTMENT PROPERTY - PURCHASE:
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 3.875
APR 4.271 3.555 4.125 3.501 3.777 3.908
* 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 4.125 3.375 4.000 3.250 3.375 3.750
>$424K ------ ------ ------ ------ 3.750 3.875
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 ------ 3.990
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.000 3.250
APR 3.911 3.188 3.800 3.091 3.023 3.283
>$424K 4.125 3.750 ------ ------ 3.375 3.625
APR 4.141 3.774 ------ ------ 3.377 3.615
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.375 3.750 3.990
APR 4.276 3.564 4.132 3.493 3.786 4.013
* 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 4.250 3.500 4.125 3.375 ------ 3.990
>$424K ------ ------ ------ ------ 4.125 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 4.125 3.500 ------ ------
>$424K ------ ------ ------ ------ ------ 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.000 3.250
APR 3.920 3.203 3.812 3.114 3.042 3.293
>$424K 4.125 3.750 ------ ------ 3.375 3.625
APR 4.146 3.782 ------ ------ 3.382 3.620
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.375 3.875 3.990
APR 4.285 3.579 4.144 3.516 3.908 4.025
* 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 4.125 3.375 4.000 3.375 3.500 3.750
>$424K ------ ------ ------ ------ 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 3.750 4.000
>$424K ------ ------ ------ ------ 4.000 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.000 3.250
APR 3.935 3.230 3.833 3.152 3.051 3.308
>$424K 4.125 3.750 ------ ------ 3.375 3.625
APR 4.152 3.792 ------ ------ 3.387 3.625
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.375 3.750 3.990
APR 4.300 3.606 4.165 3.555 3.815 4.042
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 4.125 3.250 3.875 3.250 3.125 3.500
>$424K 4.250 4.000 ------ ------ 3.625 3.750
Jumbo 4.250 3.875 ------ ------ 3.500 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.000 3.375 3.375 3.625
>$424K 4.375 4.125 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.125 3.000 3.250
APR 3.975 3.211 3.781 3.167 3.008 3.252
>$424K 4.125 3.750 ------ ------ 3.375 3.625
APR 4.143 3.776 ------ ------ 3.378 3.616
Jumbo 4.125 3.750 ------ ------ 3.250 3.500
APR 4.117 3.731 ------ ------ 3.254 3.495
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.750 3.750 3.875
APR 4.387 3.669 4.157 3.759 3.770 3.904
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

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