【房贷利率】6月21日星期三 (利率持平)

🌟奇虎贷款利率

奇虎贷款-100436 06/21 3991

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（6月21日星期三)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3.875%，15年固定利率保持在3.125%，
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3.750%，15年固定
利率保持在3.000%，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 3.875 3.125 3.625 3.125 3.250 3.375
>$424K 4.000 3.375 3.875 3.375 3.625 3.500
Jumbo 4.000 3.625 4.250 ------ 3.500 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.250 3.625 3.750
>$424K 4.125 3.875 3.875 ------ 3.625 3.625
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 3.000 3.250
APR 3.783 3.080 3.532 3.017 3.043 3.274
>$424K 3.875 3.125 3.750 3.250 3.375 3.375
APR 3.917 3.202 3.761 3.229 3.410 3.409
Jumbo 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.893 3.573 4.147 ------ 3.386 3.385
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 3.500 3.625
APR 4.171 3.581 3.983 3.519 3.531 3.657
* 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 3.875 3.125 3.625 3.125 3.250 3.375
>$424K 4.000 3.750 4.250 ------ 3.500 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.250 3.625 3.750
>$424K 4.000 3.875 4.250 ------ 3.500 3.500
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 3.000 3.250
APR 3.752 3.030 3.490 2.944 3.016 3.247
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.868 3.626 4.112 ------ 3.362 3.361
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.500 3.625
APR 4.142 3.530 3.907 3.445 3.503 3.628
* 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 3.875 3.375 3.625 3.250 3.625 3.750
>$424K 4.750 4.000 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.750 3.500 3.875 3.875
>$424K 4.750 4.000 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.500 3.000 3.125 3.375
APR 3.750 3.136 3.487 3.054 3.143 3.396
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.871 3.631 4.116 ------ 3.365 3.364
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 3.875 3.750 3.500 3.625
APR 4.231 3.659 3.903 3.759 3.507 3.632
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 3.750 3.875
>$424K 4.750 4.125 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.625 ------ 4.500
>$424K 4.750 4.125 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 3.000 3.500 2.875 3.000 3.250
APR 3.681 3.045 3.517 2.966 3.044 3.275
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.867 3.623 4.116 ------ 3.361 3.360
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.500 3.625
APR 4.140 3.545 3.934 3.467 3.547 3.672
* 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 3.875 3.375 ------ ------
>$424K 5.000 4.375 4.625 ------ 3.875 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 4.000 3.500 ------ ------
>$424K 5.000 4.375 4.625 ------ 3.875 3.875
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 3.000 3.250
APR 3.764 3.060 3.544 2.989 3.043 3.273
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.871 3.631 4.116 ------ 3.365 3.364
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 3.500 3.625
APR 4.149 3.561 3.994 3.490 3.548 3.673
* 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 4.000 3.375 3.750 3.250 3.875 4.000
>$424K 4.750 4.125 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.375 4.250 4.250
>$424K 4.750 4.125 4.375 ------ 3.625 3.625
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 3.000 3.250
APR 3.778 3.086 3.555 3.027 3.057 3.288
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.877 3.642 4.124 ------ 3.371 3.370
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 3.500 3.625
APR 4.165 3.587 4.006 3.528 3.562 3.687
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 3.875 3.125 3.625 3.125 3.250 3.375
>$424K 4.000 3.750 4.250 ------ 3.500 3.500
Jumbo 3.875 3.625 4.125 ------ 3.375 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.250 3.125 3.750
>$424K 4.000 3.750 4.250 ------ 3.500 3.500
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 3.000 3.250
APR 3.746 3.029 3.481 2.943 3.016 3.246
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.868 3.625 4.112 ------ 3.362 3.361
Jumbo 3.750 3.500 4.125 ------ 3.250 3.250
APR 3.763 3.520 4.106 ------ 3.243 3.248
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.500 3.625
APR 4.142 3.529 3.897 3.444 3.503 3.628
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

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