【房贷利率】7月12日星期三 (利率变好) | Welcome

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【房贷利率】7月12日星期三 (利率变好)

奇虎贷款利率

奇虎贷款-100436 07/12 5128

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（7月12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年固定利率下降至3.950%，15年固定利率保持在3.250%，
5/1 ARM利率下降至3.375%。购房贷款40万左右，30年固定利率下降至3.800%，15年固定
利率保持在3.000%，5/1 ARM利率保持在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 3.750 3.125 3.375 3.500
>$424K 4.125 3.250 4.000 3.250 3.625 3.750
Jumbo 4.125 3.625 4.375 ------ 3.500 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 3.875 3.250 3.625 3.875
>$424K 4.250 3.750 4.250 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 3.000 3.625 3.000 3.125 3.250
APR 3.859 3.098 3.664 3.064 3.169 3.294
>$424K 3.875 3.250 3.875 3.250 3.500 3.500
APR 3.915 3.240 3.882 3.207 3.522 3.516
Jumbo 4.000 3.500 4.250 ------ 3.375 3.375
APR 4.009 3.543 4.276 ------ 3.397 3.412
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 3.875
APR 4.276 3.599 4.064 3.519 3.662 3.912
* 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 3.750 3.125 3.375 3.500
>$424K 4.125 3.750 4.375 ------ 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 3.875 3.250 3.625 3.875
>$424K 4.125 3.875 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 2.990 3.625 3.000 3.125 3.250
APR 3.820 3.037 3.622 2.991 3.141 3.266
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.986 3.602 4.242 ------ 3.383 3.390
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.375 3.625 3.875
APR 4.226 3.545 4.024 3.445 3.634 3.884
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 3.990 3.250 3.750 3.250 3.500 3.750
>$424K 4.250 3.875 4.500 ------ 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 3.375 3.875 3.250 3.750 3.875
>$424K 4.375 4.125 4.500 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 2.990 3.625 2.875 3.125 3.250
APR 3.824 3.044 3.616 2.936 3.145 3.270
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.988 3.606 4.246 ------ 3.385 3.393
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.375 3.625 3.875
APR 4.230 3.551 4.029 3.455 3.637 3.888
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 3.875 3.250 3.625 3.875
>$424K 4.250 4.000 4.500 ------ 3.625 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 ------ 4.500
>$424K 4.375 4.125 4.500 ------ 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 3.625 2.875 3.125 3.250
APR 3.796 3.063 3.660 2.992 3.156 3.295
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.984 3.603 4.247 ------ 3.382 3.389
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.375 3.625 4.125
APR 4.172 3.564 4.036 3.467 3.683 4.182
* 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 4.000 3.375 ------ 4.250
>$424K 4.375 4.500 4.875 ------ 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 4.500 4.500 4.875 ------ 4.000 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.625 2.875 3.125 3.250
APR 3.805 3.078 3.679 3.015 3.168 3.293
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.989 3.607 4.247 ------ 3.386 3.393
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.375 3.625 3.875
APR 4.181 3.579 4.048 3.490 3.683 3.934
* 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 4.000
>$424K 4.250 3.875 4.625 ------ 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 3.500 4.000 3.375 4.375 4.250
>$424K 4.375 4.250 4.625 ------ 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 3.625 2.875 3.125 3.250
APR 3.819 3.104 3.699 3.052 3.182 3.307
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.995 3.618 4.255 ------ 3.392 3.399
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.375 3.625 3.875
APR 4.196 3.605 4.068 3.527 3.698 3.949
* 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 3.250 3.750 3.125 3.375 3.500
>$424K 4.125 3.750 4.375 ------ 3.500 3.625
Jumbo 4.000 3.625 4.375 ------ 3.500 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 3.875 3.250 3.625 3.750
>$424K 4.125 3.875 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 2.990 3.625 2.875 3.125 3.250
APR 3.820 3.037 3.617 2.925 3.139 3.266
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.985 3.601 4.242 ------ 3.383 3.390
Jumbo 3.875 3.500 4.250 ------ 3.250 3.375
APR 3.878 3.490 4.234 ------ 3.261 3.365
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.375 3.625 4.125
APR 4.226 3.544 4.023 3.444 3.633 4.141
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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