【房贷利率】12月14日星期四（利率持平） | 奇虎贷款

【房贷利率】12月14日星期四（利率持平）

🌟奇虎贷款利率

奇虎贷款-100436 12/14 8765

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（12月14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3.375%，
5/1 ARM利率上升至3.250%。购房贷款40万左右，30年固定利率下降至3.750%，15年固定
利率保持在3.250%，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 $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 3.750 3.250 3.375 3.625
>$424K 4.125 3.500 3.875 ------ 3.875 4.125
Jumbo 4.125 4.000 4.500 ------ 3.875 4.000
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 4.250
>$424K 4.500 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 3.125 3.375
APR 3.795 3.223 3.660 3.215 3.159 3.409
>$424K 3.950 3.375 3.750 ------ 3.750 3.990
APR 3.974 3.440 3.804 ------ 3.778 4.022
Jumbo 3.875 3.750 4.375 ------ 3.500 3.625
APR 3.908 3.809 4.401 ------ 3.532 3.668
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 3.750 4.000
APR 4.171 3.813 4.021 3.841 3.787 4.038
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 3.750 3.250 3.375 3.625
>$424K 4.125 4.000 4.500 ------ 3.875 4.000
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 3.875 4.000
>$424K 4.375 4.125 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 3.125 3.375
APR 3.767 3.173 3.620 3.142 3.131 3.382
>$424K 3.875 3.750 4.375 ------ 3.500 3.625
APR 3.884 3.765 4.367 ------ 3.508 3.644
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 3.750 4.000
APR 4.142 3.762 3.981 3.767 3.759 4.009
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 4.000 4.000
>$424K 4.250 4.375 4.625 ------ 4.000 4.250
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 4.125 4.250
>$424K 4.500 4.375 4.625 ------ 4.000 4.250
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 3.125 3.375
APR 3.760 3.180 3.625 3.152 3.135 3.385
>$424K 3.875 3.750 4.375 ------ 3.500 3.625
APR 3.886 3.770 4.371 ------ 3.511 3.646
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 3.750 4.000
APR 4.136 3.769 3.986 3.777 3.763 4.013
* 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 3.500 3.875 3.500 ------ 5.000
>$424K 4.375 4.375 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 4.000 4.125 4.125 ------ 5.000
>$424K 4.500 4.375 4.625 ------ 4.125 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.000 3.125 3.375
APR 3.765 3.188 3.632 3.144 3.159 3.410
>$424K 4.125 4.000 4.375 ------ 3.750 4.000
APR 4.131 4.033 4.372 ------ 3.753 4.003
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 3.750 4.875
APR 4.140 3.707 3.939 3.744 3.808 4.937
* 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 4.125 3.625 3.875 3.625 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.625 4.625
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 3.875 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.625 4.625
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 3.125 3.375
APR 3.774 3.203 3.644 3.186 3.158 3.408
>$424K 4.125 4.000 4.375 ------ 3.750 4.000
APR 4.134 4.033 4.372 ------ 3.753 4.003
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 3.750 4.000
APR 4.149 3.723 3.952 3.767 3.809 4.060
* 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 ------ 5.000
>$424K 4.250 4.375 4.750 ------ 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 ------ 5.000
>$424K 4.500 4.375 4.750 ------ 4.125 4.250
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 3.125 3.375
APR 3.788 3.229 3.664 3.223 3.172 3.423
>$424K 3.875 3.750 4.375 ------ 3.500 3.625
APR 3.892 3.781 4.380 ------ 3.517 3.652
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 3.750 4.000
APR 4.164 3.749 3.972 3.804 3.823 4.074
* 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 3.750 3.250 3.375 3.625
>$424K 4.125 4.000 4.500 ------ 3.875 4.000
Jumbo 4.125 4.000 4.500 ------ 3.875 4.000
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 3.875 4.125
>$424K 4.375 4.125 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 3.125 3.375
APR 3.762 3.172 3.632 3.141 3.131 3.381
>$424K 3.875 3.750 4.375 ------ 3.500 3.625
APR 3.883 3.765 4.367 ------ 3.508 3.643
Jumbo 3.875 3.750 4.375 ------ 3.500 3.625
APR 3.878 3.756 4.359 ------ 3.503 3.638
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 3.750 4.000
APR 4.142 3.761 3.980 3.766 3.758 4.008
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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