【房贷利率】6月23日星期五 (利率持平) | Welcome

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【房贷利率】6月23日星期五 (利率持平)

奇虎贷款利率奇虎贷款问答

奇虎贷款-100436 06/23 7221

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23日星期五)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3.375%。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2.990%，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 3.875 3.250 3.625 3.000 3.375 3.500
>$424K 3.990 3.250 3.875 3.250 3.625 3.625
Jumbo 4.000 3.500 4.250 ------ 3.375 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 3.750 4.250 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.500 2.750 3.125 3.250
APR 3.787 3.053 3.532 2.884 3.170 3.286
>$424K 3.800 3.125 3.750 3.125 3.375 3.375
APR 3.839 3.178 3.759 3.220 3.410 3.413
Jumbo 3.875 3.375 4.125 ------ 3.250 3.250
APR 3.873 3.386 4.151 ------ 3.271 3.287
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 3.875 3.500 3.500 3.625
APR 4.242 3.574 3.955 3.611 3.537 3.662
* 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 3.000 3.375 3.500
>$424K 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 3.625
>$424K 4.000 3.625 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 2.990 3.500 2.750 3.125 3.125
APR 3.749 2.985 3.490 2.811 3.133 3.155
>$424K 3.875 3.375 4.125 ------ 3.250 3.375
APR 3.867 3.379 4.117 ------ 3.266 3.366
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.500 3.625
APR 4.153 3.505 3.904 3.538 3.509 3.634
* 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 3.250 3.625 3.125 3.500 3.625
>$424K 4.125 3.750 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 4.000 3.375 3.750 3.250 3.750 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 3.750 2.990 3.500 2.750 3.125 3.125
APR 3.753 2.992 3.487 2.795 3.137 3.159
>$424K 3.875 3.375 4.125 ------ 3.250 3.375
APR 3.870 3.384 4.121 ------ 3.269 3.368
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.500 3.375 3.500 3.625
APR 4.155 3.512 3.487 3.446 3.512 3.637
* 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 3.375 3.875 3.250 3.625 3.875
>$424K 4.125 3.750 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 3.625 ------ 4.125
>$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 3.750 2.990 3.500 2.875 3.125 3.250
APR 3.781 3.055 3.524 2.958 3.156 3.288
>$424K 3.875 3.375 4.125 ------ 3.250 3.375
APR 3.866 3.381 4.122 ------ 3.265 3.364
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.500 3.625
APR 4.183 3.577 3.947 3.623 3.557 3.683
* 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 3.625 3.950 3.500 ------ 4.125
>$424K 4.250 4.000 4.750 ------ 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 3.750 4.125 3.750 ------ 4.500
>$424K 4.375 4.375 4.750 ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.500 2.875 3.125 3.250
APR 3.782 3.066 3.545 2.975 3.175 3.293
>$424K 3.875 3.375 4.125 ------ 3.250 3.375
APR 3.871 3.385 4.122 ------ 3.269 3.369
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.500 3.500 3.625
APR 4.182 3.587 4.004 3.639 3.558 3.683
* 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 3.990
>$424K 4.125 3.750 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 3.950 3.625 4.375 4.250
>$424K 4.250 3.875 4.500 ------ 3.750 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.500 2.875 3.125 3.250
APR 3.808 3.095 3.562 3.011 3.184 3.309
>$424K 3.875 3.375 4.125 ------ 3.250 3.375
APR 3.876 3.395 4.130 ------ 3.275 3.375
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.500 3.500 3.625
APR 4.197 3.617 4.019 3.677 3.572 3.698
* 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 3.000 3.375 3.500
>$424K 4.000 3.625 4.250 ------ 3.500 3.500
Jumbo 3.875 3.500 4.250 ------ 3.375 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.250 3.625 3.625
>$424K 4.000 3.625 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 2.990 3.500 2.750 3.125 3.125
APR 3.750 2.984 3.481 2.784 3.133 3.154
>$424K 3.875 3.375 4.125 ------ 3.250 3.375
APR 3.869 3.379 4.117 ------ 3.267 3.365
Jumbo 3.750 3.375 4.125 ------ 3.250 3.250
APR 3.762 3.333 4.109 ------ 3.242 3.252
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 4.151 3.504 3.903 3.435 3.508 3.633
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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