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【房贷利率】8月22日星期二（利率持平）

奇虎贷款利率

奇虎贷款-100436 08/22 11609

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（8月22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3.750%，15年固定利率保持在3.000%，
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3.625%，15年固定
利率保持在2.875%，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 3.750 3.000 3.625 2.875 3.125 3.375
>$424K 3.950 3.250 3.750 3.250 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 3.875 3.250 3.750 3.000 3.625 3.750
>$424K 4.125 3.750 4.125 ------ 3.500 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.670 2.955 3.454 2.866 3.034 3.179
>$424K 3.750 3.125 3.625 3.000 3.250 3.375
APR 3.796 3.147 3.681 3.116 3.286 3.414
Jumbo 3.875 3.375 4.125 ------ 3.125 3.250
APR 3.876 3.431 4.151 ------ 3.158 3.264
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.375 3.375 3.375 3.625
APR 4.130 3.456 3.426 3.466 3.411 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 3.750 3.000 3.625 2.875 3.125 3.375
>$424K 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 3.875 3.250 3.750 3.000 3.500 3.750
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.642 2.905 3.415 2.793 3.006 3.151
>$424K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.863 3.494 4.117 ------ 3.242 3.254
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 3.375 3.625
APR 4.101 3.405 3.884 3.392 3.384 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 3.125 3.625 3.000 3.375 3.500
>$424K 4.125 3.750 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 3.950 3.250 3.750 3.125 3.750 3.875
>$424K 4.250 3.875 4.375 ------ 3.625 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.635 2.911 3.420 2.803 3.010 3.155
>$424K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.866 3.498 4.121 ------ 3.244 3.257
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.031 3.412 3.890 3.402 3.387 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 3.875 3.250 3.750 3.000 3.500 3.750
>$424K 4.125 3.750 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 4.125 3.500 3.875 3.625 ------ 4.125
>$424K 4.250 3.875 4.375 ------ 3.625 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.640 2.919 3.455 2.815 3.034 3.179
>$424K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.874 3.495 4.122 ------ 3.240 3.253
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.250 3.375 3.625
APR 4.036 3.420 3.896 3.395 3.432 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 4.000 3.375 3.875 3.250 ------ 4.125
>$424K 4.250 4.125 4.750 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.500 ------ ------
>$424K 4.375 4.375 4.750 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 3.000 3.125
APR 3.649 2.935 3.519 2.837 3.033 3.178
>$424K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.876 3.499 4.122 ------ 3.245 3.257
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.045 3.436 3.909 3.437 3.432 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 3.875 3.250 3.750 3.125 3.750 3.875
>$424K 4.125 3.875 4.500 ------ 3.625 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 4.125 4.250
>$424K 4.250 3.875 4.500 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 3.000 3.125
APR 3.663 2.960 3.549 2.874 3.047 3.192
>$424K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.872 3.510 4.130 ------ 3.250 3.263
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.375 3.375 3.375 3.625
APR 4.060 3.461 3.476 3.474 3.447 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 3.750 3.000 3.500 2.875 3.125 3.375
>$424K 4.000 3.625 4.250 ------ 3.375 3.375
Jumbo 3.875 3.625 4.250 ------ 3.250 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 3.625 3.000 3.500 3.750
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.375 2.750 3.000 3.125
APR 3.641 2.904 3.414 2.792 3.006 3.151
>$424K 3.875 3.500 4.125 ------ 3.250 3.250
APR 3.863 3.493 4.117 ------ 3.241 3.254
Jumbo 3.875 3.375 4.125 ------ 3.125 3.250
APR 3.847 3.379 4.109 ------ 3.129 3.229
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 3.375 3.625
APR 4.100 3.404 3.899 3.391 3.383 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: (310) 667-6263
Fax: (877) 442-7883
apply@tigerloans.com

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