【房贷利率】7月18日星期二 (利率持平) | 奇虎贷款

【房贷利率】7月18日星期二 (利率持平)

🌟奇虎贷款利率

奇虎贷款-100436 07/18 6884

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18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3.950%，15年固定利率保持在3.250%，
5/1 ARM利率下降至3.250%。购房贷款40万左右，30年固定利率保持在3.800%，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 3.950 3.250 3.750 3.125 3.375 3.625
>$424K 4.000 3.250 3.875 3.250 3.500 3.500
Jumbo 4.000 3.625 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 4.000 3.375 3.875 3.250 3.625 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 3.800 2.990 3.625 2.875 3.125 3.375
APR 3.842 3.085 3.641 3.002 3.170 3.406
>$424K 3.875 3.125 3.750 3.125 3.125 3.250
APR 3.905 3.189 3.770 3.210 3.171 3.290
Jumbo 3.875 3.375 4.250 ------ 3.250 3.375
APR 3.910 3.445 4.276 ------ 3.290 3.399
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.625 3.500 3.750
APR 4.254 3.595 4.067 3.733 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 3.250 3.625 3.125 3.375 3.625
>$424K 4.000 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 4.000 3.375 3.875 3.250 3.625 3.750
>$424K 4.125 3.750 4.375 ------ 3.625 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.625 2.875 3.125 3.250
APR 3.776 3.017 3.599 2.929 3.138 3.275
>$424K 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.886 3.506 4.242 ------ 3.376 3.375
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 3.950 3.625 3.500 3.750
APR 4.215 3.525 3.990 3.660 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 3.950 3.250 3.750 3.250 3.500 3.625
>$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 3.375 3.875 3.250 3.750 3.875
>$424K 4.250 4.000 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 3.779 3.024 3.534 2.913 3.142 3.279
>$424K 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.889 3.511 4.246 ------ 3.378 3.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 3.950 3.500 3.500 3.750
APR 4.219 3.532 3.987 3.572 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 4.125 3.375 3.875 3.250 3.625 3.875
>$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 4.250 3.500 3.950 3.625 ------ 4.375
>$424K 4.250 4.000 4.500 ------ 3.750 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 2.990 3.500 3.000 3.125 3.375
APR 3.843 3.088 3.565 3.078 3.152 3.400
>$424K 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.885 3.507 4.247 ------ 3.374 3.374
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 3.950 3.625 3.500 3.750
APR 4.256 3.597 4.025 3.745 3.557 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 4.250 3.625 4.000 3.625 ------ 4.125
>$424K 4.375 4.375 4.875 ------ 3.875 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.250 3.750 ------ ------
>$424K 4.500 4.375 4.875 ------ 4.000 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 2.990 3.625 3.000 3.125 3.375
APR 3.849 3.098 3.654 3.095 3.171 3.414
>$424K 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.889 3.512 4.247 ------ 3.379 3.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.625 3.500 3.750
APR 4.262 3.608 4.074 3.761 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 4.125 3.500 3.875 3.375 3.750 4.000
>$424K 4.250 4.000 4.625 ------ 3.750 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 4.000 3.750 4.250 4.250
>$424K 4.375 4.000 4.625 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.800 3.000 3.625 3.000 3.125 3.375
APR 3.866 3.129 3.671 3.132 3.180 3.430
>$424K 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.895 3.522 4.255 ------ 3.384 3.384
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.625 3.500 3.750
APR 4.279 3.637 4.098 3.799 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 3.250 3.625 3.125 3.250 3.500
>$424K 4.000 3.750 4.375 ------ 3.500 3.500
Jumbo 4.000 3.625 4.375 ------ 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 3.625 3.750
>$424K 4.125 3.750 4.375 ------ 3.625 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.500 2.875 3.125 3.250
APR 3.776 3.016 3.532 2.902 3.134 3.275
>$424K 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.886 3.506 4.242 ------ 3.375 3.375
Jumbo 3.875 3.375 4.250 ------ 3.250 3.250
APR 3.860 3.393 4.234 ------ 3.252 3.264
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 3.950 3.500 3.500 3.750
APR 4.214 3.524 3.981 3.560 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

获取作者更多文章