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9日 星期四)开盘时的房贷利率价格和上个工作日相比稍好。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3.125%。购房贷款40万左右，30年固定利率下降至3.875%，15年固定
利率保持在3.125%，5/1 ARM利率保持在2.990%.

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 3.125 3.375 >$424K 4.250 3.375 4.000 3.250 3.750 3.875 Jumbo 4.250 3.625 4.375 ------ 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 3.950 3.250 3.500 3.625 >$424K 4.375 3.750 4.375 ------ 3.750 3.875 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 2.990 3.125 APR 3.931 3.205 3.780 3.143 3.032 3.176 >$424K 4.125 3.250 3.875 3.250 3.250 3.500 APR 4.141 3.284 3.932 3.258 3.295 3.544 Jumbo 4.125 3.500 4.250 ------ 3.500 3.625 APR 4.125 3.550 4.272 ------ 3.524 3.639 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 3.625 3.750 APR 4.286 3.581 4.146 3.519 3.657 3.782 ************* 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 3.125 3.125 3.375 >$424K 4.250 3.750 4.375 ------ 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 3.950 3.250 3.375 3.625 >$424K 4.250 3.875 4.375 ------ 3.750 3.750 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 2.990 3.125 APR 3.902 3.155 3.738 3.070 2.995 3.138 >$424K 4.125 3.625 4.250 ------ 3.500 3.625 APR 4.122 3.608 4.237 ------ 3.500 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 3.625 3.750 APR 4.257 3.530 4.106 3.445 3.628 3.753 ************* 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 4.000 3.250 3.875 3.250 3.250 3.500 >$424K 4.375 4.000 4.500 ------ 3.875 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 3.950 3.375 3.625 3.750 >$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 3.875 3.125 3.750 3.000 2.990 3.125 APR 3.896 3.161 3.735 3.062 2.999 3.142 >$424K 4.125 3.625 4.250 ------ 3.500 3.625 APR 4.124 3.612 4.241 ------ 3.503 3.618 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 3.625 3.750 APR 4.250 3.537 4.117 3.455 3.632 3.757 ************ 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 3.950 3.250 3.500 3.750 >$424K 4.375 4.000 4.500 ------ 3.875 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 4.000 3.990 >$424K 4.500 4.125 4.500 ------ 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 2.990 3.125 APR 3.901 3.170 3.762 3.091 3.025 3.169 >$424K 4.125 3.625 4.250 ------ 3.500 3.625 APR 4.122 3.609 4.241 ------ 3.499 3.613 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.500 4.000 3.375 3.625 3.750 APR 4.255 3.545 4.079 3.467 3.672 3.798 ************ 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 4.000 3.375 4.125 3.990 >$424K 4.500 4.375 4.750 ------ 4.125 4.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.125 3.500 ------ 4.500 >$424K 4.625 4.375 4.750 ------ 4.250 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 2.990 3.125 APR 3.909 3.185 3.773 3.114 3.037 3.181 >$424K 4.125 3.625 4.250 ------ 3.500 3.625 APR 4.125 3.613 4.241 ------ 3.503 3.618 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 3.625 3.750 APR 4.264 3.561 4.130 3.490 3.673 3.798 ************ 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 3.250 3.625 3.750 >$424K 4.375 4.000 4.500 ------ 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 3.375 3.750 3.990 >$424K 4.500 4.125 4.500 ------ 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 2.990 3.250 APR 3.924 3.211 3.804 3.152 3.053 3.290 >$424K 4.125 3.625 4.250 ------ 3.500 3.625 APR 4.131 3.623 4.249 ------ 3.509 3.624 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 3.625 3.750 APR 4.279 3.587 4.187 3.528 3.687 3.813 ************ 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 4.000 3.250 3.875 3.125 3.125 3.375 >$424K 4.250 3.750 4.375 ------ 3.625 3.750 Jumbo 4.250 3.625 4.250 ------ 3.500 3.625 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.375 3.950 3.250 3.375 3.625 >$424K 4.250 3.875 4.375 ------ 3.750 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 2.990 3.125 APR 3.951 3.158 3.729 3.051 2.994 3.138 >$424K 4.125 3.625 4.250 ------ 3.500 3.625 APR 4.121 3.607 4.237 ------ 3.500 3.615 Jumbo 4.125 3.500 4.250 ------ 3.375 3.500 APR 4.095 3.497 4.231 ------ 3.376 3.493 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.300 3.625 4.125 3.625 3.625 3.750 APR 4.321 3.637 4.111 3.695 3.628 3.753

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