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【房贷利率】4月3日星期一

奇虎贷款利率

奇虎贷款-100436 04/03 4559

4.0/2

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（4月3日星期一)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利率下降至3.125%。购房贷款40万左右，30年固定利率保持在3.990%，15年固定
利率下降至3.125%，5/1 ARM利率下降至2.875%.
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 3.250 3.875
Jumbo 4.250 3.750 ------ ------ 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 4.000 3.250 3.375 3.625
>$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 2.875 3.250
APR 4.034 3.223 3.761 3.140 2.921 3.274
>$424K 4.125 3.250 3.875 3.250 3.125 3.625
APR 4.116 3.298 3.902 3.225 3.142 3.653
Jumbo 4.125 3.625 ------ ------ 3.500 3.500
APR 4.136 3.653 ------ ------ 3.515 3.533
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 4.000
APR 4.297 3.599 4.160 3.564 3.791 4.045
* 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 3.750 3.250 3.125 3.375
>$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 3.875 3.250 3.375 3.625
>$424K 4.250 4.000 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.125 3.625 3.000 2.875 3.250
APR 3.995 3.173 3.658 3.054 2.889 3.247
>$424K 4.125 3.625 ------ ------ 3.500 3.500
APR 4.132 3.646 ------ ------ 3.491 3.509
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 4.000
APR 4.267 3.548 4.120 3.491 3.757 4.011
* 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 3.875 3.250 3.250 3.500
>$424K 4.375 4.125 ------ ------ 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 4.000 3.375 3.500 3.750
>$424K 4.500 4.250 ------ ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.625 3.000 2.875 3.250
APR 3.906 3.180 3.663 3.064 2.892 3.250
>$424K 4.125 3.625 ------ ------ 3.500 3.500
APR 4.135 3.651 ------ ------ 3.493 3.512
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 4.000
APR 4.261 3.555 4.125 3.501 3.761 4.015
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 3.625
>$424K 4.375 4.125 ------ ------ 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 ------ 4.750
>$424K 4.500 4.250 ------ ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.625 3.000 2.875 3.250
APR 3.911 3.188 3.675 3.085 2.900 3.259
>$424K 4.125 3.625 ------ ------ 3.500 3.500
APR 4.130 3.647 ------ ------ 3.489 3.508
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 4.000
APR 4.266 3.564 4.132 3.493 3.769 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 3.500 4.125 3.375 ------ 4.750
>$424K 4.500 ------ ------ ------ 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 4.625 ------ ------ ------ 4.125 4.125
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 2.875 3.250
APR 3.920 3.203 3.759 3.114 2.919 3.273
>$424K 4.125 3.625 ------ ------ 3.500 3.500
APR 4.135 3.652 ------ ------ 3.494 3.512
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 4.000
APR 4.275 3.579 4.144 3.516 3.789 4.043
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 4.500 4.125 ------ ------ 3.875 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 3.750 4.000
>$424K 4.500 4.375 ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.625 3.000 2.875 3.250
APR 3.935 3.230 3.715 3.152 2.928 3.288
>$424K 4.125 3.625 ------ ------ 3.500 3.500
APR 4.141 3.662 ------ ------ 3.499 3.518
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 4.000
APR 4.290 3.606 4.165 3.555 3.799 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 3.250 3.125 3.375
>$424K 4.250 3.875 ------ ------ 3.625 3.750
Jumbo 4.250 3.750 ------ ------ 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 3.875 3.250 3.250 3.625
>$424K 4.250 4.000 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.125 3.625 3.000 2.875 3.125
APR 3.988 3.172 3.653 3.044 2.885 3.143
>$424K 4.125 3.625 ------ ------ 3.500 3.500
APR 4.132 3.645 ------ ------ 3.490 3.509
Jumbo 4.125 3.625 ------ ------ 3.375 3.500
APR 4.106 3.600 ------ ------ 3.370 3.484
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 4.000
APR 4.267 3.547 4.119 3.489 3.753 4.007
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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