【房贷利率】3月22日星期三 | 奇虎贷款

【房贷利率】3月22日星期三

🌟奇虎贷款利率

奇虎贷款-100436 03/22 4713

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（3月22日星期三)开盘时的房贷利率价格和上个工作日相比变好。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年固定利率下降至3.375%，
5/1 ARM利率保持在3.250%。购房贷款40万左右，30年固定利率下降至3.990%，15年固定
利率保持在3.250%，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 4.125 3.250 3.750 3.250 3.250 3.500
>$424K 4.200 3.375 4.000 3.250 3.750 3.750
Jumbo 4.250 3.750 4.500 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.375 3.875 3.375 3.500 3.750
>$424K 4.500 4.000 4.375 ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.030 3.240 3.750 3.179 3.036 3.289
>$424K 4.050 3.250 3.875 3.250 3.500 3.625
APR 4.078 3.295 3.933 3.245 3.539 3.664
Jumbo 4.125 3.625 4.375 ------ 3.500 3.625
APR 4.153 3.652 4.398 ------ 3.534 3.649
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.750 3.990
APR 4.411 3.725 4.179 3.644 3.782 4.031
* 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 3.750 3.125 3.125 3.500
>$424K 4.375 4.000 4.500 ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.375 3.875 3.375 3.375 3.625
>$424K 4.375 4.000 4.500 ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.000 2.990 3.250
APR 3.970 3.190 3.708 3.060 2.999 3.252
>$424K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.227 3.645 4.362 ------ 3.514 3.632
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.750 3.875
APR 4.381 3.659 4.136 3.570 3.753 3.903
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 3.875 3.250 3.375 3.625
>$424K 4.500 4.125 4.625 ------ 4.000 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 3.950 3.375 3.625 3.875
>$424K 4.500 4.250 4.625 ------ 4.000 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.625 3.000 2.990 3.250
APR 3.971 3.196 3.655 3.070 3.002 3.255
>$424K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.230 3.650 4.366 ------ 3.516 3.635
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.750 3.875
APR 4.375 3.666 4.133 3.580 3.757 3.907
* 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 3.375 3.500 3.750
>$424K 4.500 4.125 4.625 ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.625 4.000 4.125
>$424K 4.500 4.250 4.625 ------ 4.000 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.125 3.625 3.000 2.990 3.250
APR 3.994 3.224 3.686 3.091 3.029 3.280
>$424K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.228 3.646 4.366 ------ 3.512 3.631
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.750 3.990
APR 4.297 3.689 4.164 3.592 3.790 4.023
* 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 3.625 4.125 3.500 4.125 4.125
>$424K 4.625 4.625 4.875 ------ 4.250 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.250 3.625 4.625 4.500
>$424K 4.625 4.625 4.875 ------ 4.375 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.000 2.990 3.250
APR 4.035 3.220 3.759 3.135 3.041 3.293
>$424K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.230 3.651 4.366 ------ 3.517 3.636
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.750 3.990
APR 4.306 3.705 4.188 3.615 3.798 4.036
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 3.950 3.375 3.625 3.750
>$424K 4.500 4.250 4.625 ------ 4.000 4.000
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 3.875 4.000
>$424K 4.500 4.375 4.625 ------ 4.125 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.000 2.990 3.250
APR 4.052 3.246 3.773 3.166 3.057 3.308
>$424K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.236 3.661 4.374 ------ 3.522 3.641
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.750 3.990
APR 4.322 3.731 4.212 3.653 3.813 4.053
* 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 3.750 3.125 3.125 3.375
>$424K 4.375 3.875 4.500 ------ 3.750 3.875
Jumbo 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 3.875 3.375 3.375 3.625
>$424K 4.375 4.000 4.500 ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.125 3.625 3.000 2.990 3.250
APR 3.967 3.171 3.649 3.050 2.998 3.251
>$424K 4.250 3.625 4.375 ------ 3.500 3.625
APR 4.227 3.644 4.362 ------ 3.513 3.632
Jumbo 4.125 3.625 4.375 ------ 3.500 3.500
APR 4.123 3.599 4.355 ------ 3.488 3.510
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.750 3.875
APR 4.381 3.658 4.127 3.569 3.753 3.903
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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