【房贷利率】5月24日星期三(利率变差) | 奇虎贷款

【房贷利率】5月24日星期三(利率变差)

🌟奇虎贷款利率

奇虎贷款-100436 05/24 4702

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（5月24日星期三)开盘时的房贷利率价格和上个工作日相比变差。目前
重新贷款40万左右的利率，30年固定利率上升至3.950%，15年固定利率上升至3.250%，
5/1 ARM利率上升至3.250%。购房贷款40万左右，30年固定利率上升至3.875%，15年固定
利率保持在3.000%，5/1 ARM利率上升至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 3.950 3.250 3.625 3.125 3.250 3.500
>$424K 4.125 3.250 4.000 3.375 3.625 3.625
Jumbo 4.125 3.875 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 4.000 3.250 3.750 3.250 3.625 3.625
>$424K 4.250 3.875 4.250 ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.000 3.500 3.000 3.125 3.250
APR 3.890 3.098 3.548 3.064 3.159 3.300
>$424K 4.000 3.250 3.750 3.250 3.375 3.500
APR 4.029 3.251 3.809 3.263 3.404 3.532
Jumbo 4.000 3.625 4.125 ------ 3.375 3.500
APR 4.012 3.694 4.147 ------ 3.390 3.508
INVESTMENT PROPERTY - PURCHASE:
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
APR 4.265 3.581 3.996 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 3.950 3.250 3.625 3.125 3.250 3.375
>$424K 4.125 3.875 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 4.000 3.250 3.750 3.250 3.625 3.625
>$424K 4.125 3.875 4.250 ------ 3.500 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.000 3.500 3.000 3.125 3.250
APR 3.861 3.048 3.506 2.991 3.131 3.272
>$424K 4.000 3.750 4.125 ------ 3.375 3.500
APR 3.987 3.758 4.112 ------ 3.366 3.484
INVESTMENT PROPERTY - PURCHASE:
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
APR 4.236 3.530 3.953 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 3.950 3.250 3.625 3.250 3.500 3.625
>$424K 4.625 4.000 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 3.750 3.250 3.750 3.750
>$424K 4.750 4.000 4.375 ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.000 3.500 3.000 3.125 3.250
APR 3.855 3.054 3.502 3.001 3.135 3.276
>$424K 4.000 3.750 4.125 ------ 3.375 3.500
APR 3.990 3.763 4.116 ------ 3.369 3.487
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.157 3.537 3.950 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 4.000 3.250 3.750 3.250 3.625 3.625
>$424K 4.750 4.125 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 4.250 3.625 3.875 3.625 ------ 4.500
>$424K 4.750 4.125 4.375 ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 3.125 3.250
APR 3.796 3.063 3.533 2.992 3.150 3.300
>$424K 4.000 3.750 4.125 ------ 3.375 3.500
APR 3.986 3.755 4.116 ------ 3.365 3.482
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.161 3.545 3.980 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 4.125 3.500 3.950 3.375 ------ ------
>$424K 5.000 4.375 4.625 ------ 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 3.625 4.125 3.500 ------ ------
>$424K 5.000 4.375 4.625 ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 3.125 3.250
APR 3.805 3.078 3.557 3.015 3.158 3.296
>$424K 4.000 3.750 4.125 ------ 3.375 3.500
APR 3.990 3.763 4.116 ------ 3.369 3.487
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.170 3.561 4.005 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 3.875 3.250 3.750 3.750
>$424K 4.750 4.125 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 3.500 3.950 3.375 4.125 4.250
>$424K 4.750 4.125 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 3.125 3.250
APR 3.820 3.104 3.571 3.053 3.172 3.310
>$424K 4.000 3.750 4.125 ------ 3.375 3.500
APR 3.996 3.786 4.124 ------ 3.375 3.493
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.375 3.625 3.750
APR 4.186 3.587 4.019 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 3.950 3.250 3.625 3.125 3.250 3.375
>$424K 4.125 3.875 4.250 ------ 3.500 3.625
Jumbo 4.000 3.875 4.125 ------ 3.375 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.750 3.250 3.625 3.625
>$424K 4.125 3.875 4.250 ------ 3.500 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.000 3.500 3.000 3.125 3.250
APR 3.858 3.047 3.496 2.990 3.131 3.272
>$424K 4.000 3.750 4.125 ------ 3.375 3.500
APR 3.987 3.770 4.112 ------ 3.366 3.484
Jumbo 3.875 3.625 4.125 ------ 3.250 3.375
APR 3.880 3.641 4.106 ------ 3.253 3.370
INVESTMENT PROPERTY - PURCHASE:
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
APR 4.245 3.529 3.944 3.444 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

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