【房贷利率】7月20日星期四 (利率持平) | 奇虎贷款

【房贷利率】7月20日星期四 (利率持平)

🌟奇虎贷款利率

奇虎贷款-100436 07/20 6798

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20日星期四)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 3.000 3.250 3.375
>$424K 4.125 3.250 3.875 3.250 3.625 3.625
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 4.000 3.250 3.875 3.250 3.500 3.875
>$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 3.000 3.500 2.875 3.000 3.250
APR 3.795 3.062 3.574 2.991 3.048 3.284
>$424K 4.000 3.125 3.750 3.000 3.125 3.375
APR 4.005 3.176 3.769 3.117 3.170 3.414
Jumbo 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.905 3.563 4.151 ------ 3.388 3.390
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 3.750
APR 4.171 3.581 4.026 3.492 3.537 3.787
* 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 3.250 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 4.000 3.250 3.750 3.250 3.375 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 3.767 3.012 3.532 2.918 3.016 3.256
>$424K 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.881 3.533 4.117 ------ 3.365 3.366
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.950 3.375 3.500 3.750
APR 4.142 3.530 3.983 3.419 3.509 3.759
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 3.750 3.125 3.375 3.625
>$424K 4.250 3.875 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 3.875 3.250 3.625 4.000
>$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 3.760 3.018 3.528 2.928 3.020 3.260
>$424K 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.883 3.538 4.121 ------ 3.368 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 3.375 3.500 3.750
APR 4.136 3.537 3.980 3.428 3.512 3.763
* 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 3.500 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 4.250 3.500 3.950 3.625 ------ 4.750
>$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 2.875 3.500 2.875 3.000 3.250
APR 3.765 2.973 3.551 2.940 3.030 3.285
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.879 3.614 4.122 ------ 3.364 3.365
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.875 3.375 3.125 3.750
APR 4.140 3.475 3.954 3.440 3.147 3.808
* 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 3.375 3.875 3.375 ------ ------
>$424K 5.125 4.375 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 3.625 4.000 3.500 ------ ------
>$424K 5.125 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 3.000 3.500 2.875 3.000 3.250
APR 3.774 3.042 3.579 2.962 3.049 3.283
>$424K 3.875 3.625 4.125 ------ 3.375 3.375
APR 3.884 3.623 4.122 ------ 3.368 3.369
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 3.500 3.750
APR 4.149 3.561 4.019 3.463 3.558 3.809
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 3.875 3.250 3.625 4.000
>$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 3.500 4.000 3.375 4.000 4.250
>$424K 4.875 4.125 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 3.000 3.500 2.875 3.000 3.250
APR 3.788 3.067 3.592 2.999 3.058 3.297
>$424K 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.890 3.549 4.130 ------ 3.374 3.375
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 3.500 3.750
APR 4.164 3.587 4.039 3.500 3.572 3.823
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 3.250 3.375
>$424K 4.000 3.750 4.250 ------ 3.500 3.500
Jumbo 4.000 3.625 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 4.000 3.250 3.750 3.250 3.375 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 2.990 3.500 2.875 3.000 3.250
APR 3.778 3.003 3.522 2.917 3.012 3.256
>$424K 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.880 3.533 4.117 ------ 3.365 3.366
Jumbo 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.854 3.510 4.109 ------ 3.252 3.255
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 3.750
APR 4.142 3.514 3.974 3.417 3.508 3.758
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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