【房贷利率】11月28日星期二（利率持平） | Welcome

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【房贷利率】11月28日星期二（利率持平）

奇虎贷款利率

奇虎贷款-100436 11/28 6761

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, F1/OPT的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（11月28日星期二)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3.250%，
5/1 ARM利率保持在3.125%。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3.125%，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 $424K, High-Balance Loan $636K, 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 3.625 3.250 3.125 3.375
>$424K 4.000 3.500 3.875 ------ 3.750 4.000
Jumbo 4.000 3.750 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.750 3.375 3.875 4.125
>$424K 4.375 4.125 4.375 ------ 3.750 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.125 2.875 3.125
APR 3.783 3.205 3.631 3.189 2.928 3.169
>$424K 3.875 3.375 3.875 ------ 3.250 3.750
APR 3.912 3.422 3.882 ------ 3.295 3.777
Jumbo 3.875 3.625 4.250 ------ 3.375 3.625
APR 3.867 3.647 4.276 ------ 3.417 3.658
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.171 3.725 3.953 3.769 3.662 3.912
* MARYLAND *
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 3.625 3.250 3.125 3.375
>$424K 4.000 3.750 4.375 ------ 3.750 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.375 3.750 3.375 3.750 4.000
>$424K 4.250 4.000 4.375 ------ 3.750 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.125 2.875 3.125
APR 3.753 3.155 3.592 3.116 2.901 3.141
>$424K 3.875 3.625 4.250 ------ 3.375 3.625
APR 3.843 3.604 4.242 ------ 3.393 3.633
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.142 3.674 3.913 3.695 3.634 3.884
VIRGINIA *
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 3.750 3.375 3.250 3.500
>$424K 4.125 3.875 4.500 ------ 3.875 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.500 3.875 3.500 4.000 4.125
>$424K 4.375 4.250 4.500 ------ 3.875 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.125 2.875 3.125
APR 3.751 3.161 3.597 3.126 2.904 3.145
>$424K 3.875 3.625 4.250 ------ 3.375 3.625
APR 3.845 3.608 4.246 ------ 3.396 3.636
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.136 3.680 3.918 3.705 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 3.875 3.375 3.750 3.375 ------ 4.250
>$424K 4.375 4.250 4.500 ------ 3.875 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 4.000 ------ 4.875
>$424K 4.375 4.250 4.500 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 3.125 3.500 3.000 2.875 3.125
APR 3.681 3.170 3.563 3.118 2.928 3.169
>$424K 4.125 3.875 4.250 ------ 3.625 3.875
APR 4.124 3.907 4.247 ------ 3.628 3.878
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.625 3.875 3.625 3.625 3.875
APR 4.057 3.689 3.925 3.717 3.683 3.933
FLORIDA *
(Based on Conforming Loan $200K, Jumbo 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 4.000 3.625 3.875 3.625 ------ ------
>$424K 5.125 4.500 4.875 ------ 4.500 4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.750 ------ ------
>$424K 5.125 4.500 4.875 ------ 4.500 4.500
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 2.875 3.125
APR 3.764 3.185 3.576 3.140 2.927 3.168
>$424K 4.125 3.875 4.250 ------ 3.625 3.875
APR 4.126 3.908 4.247 ------ 3.628 3.878
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.149 3.705 3.937 3.740 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 4.000 3.500 3.875 3.500 ------ 4.250
>$424K 4.125 3.875 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 ------ 4.875
>$424K 4.500 4.250 4.625 ------ 4.000 4.125
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 2.875 3.125
APR 3.778 3.211 3.596 3.177 2.941 3.182
>$424K 3.875 3.625 4.250 ------ 3.375 3.625
APR 3.851 3.619 4.255 ------ 3.402 3.642
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.164 3.730 3.958 3.778 3.698 3.949
WASHINGTON *
(Based on Conforming Loan $424K, High-Balance Loan $636K, 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 3.625 3.250 3.125 3.375
>$424K 4.000 3.750 4.375 ------ 3.750 4.000
Jumbo 4.000 3.750 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.375 3.750 3.375 3.750 4.000
>$424K 4.250 4.000 4.375 ------ 3.750 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.125 2.875 3.125
APR 3.746 3.154 3.599 3.115 2.900 3.141
>$424K 3.875 3.625 4.250 ------ 3.375 3.625
APR 3.842 3.603 4.242 ------ 3.393 3.633
Jumbo 3.875 3.625 4.250 ------ 3.375 3.625
APR 3.837 3.594 4.234 ------ 3.388 3.628
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.142 3.673 3.912 3.694 3.633 3.883
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: (310) 667-6263
Fax: (877) 442-7883
apply@tigerloans.com

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