【房贷利率】1月2日星期二（新年快乐！） | Welcome

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【房贷利率】1月2日星期二（新年快乐！）

奇虎贷款利率

奇虎贷款-100436 01/02 7323

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（1月2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3.875%，15年固定利率保持在3.375%，
5/1 ARM利率保持在4.125%。购房贷款40万左右，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%.
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 3.375 3.750 3.375 4.125 4.250
>$424K 4.125 3.625 3.990 ------ 4.000 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 4.125 4.250
>$424K 4.500 4.250 4.500 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.250 3.625 3.125 3.375 3.500
APR 3.806 3.276 3.674 3.242 3.419 3.545
>$424K 3.950 3.375 3.875 ------ 3.875 4.000
APR 3.980 3.458 3.903 ------ 3.903 4.028
Jumbo 4.000 3.750 4.375 ------ 3.500 3.625
APR 4.012 3.827 4.401 ------ 3.542 3.668
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.750 3.875 4.000
APR 4.276 3.832 4.049 3.868 3.912 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 3.375 3.750 3.375 4.000 4.125
>$424K 4.125 4.125 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 4.125
>$424K 4.375 4.125 4.500 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.250 3.625 3.125 3.375 3.500
APR 3.777 3.226 3.634 3.168 3.392 3.517
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.988 3.784 4.367 ------ 3.518 3.644
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.750 3.875 4.000
APR 4.246 3.780 4.009 3.794 3.884 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 4.000 3.375 3.750 3.375 4.250 4.250
>$424K 4.250 4.375 4.625 ------ 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 3.625 3.875 3.625 4.250 4.250
>$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 3.250 3.625 3.125 3.375 3.500
APR 3.771 3.232 3.639 3.178 3.395 3.520
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.991 3.788 4.371 ------ 3.521 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 3.875 4.000
APR 4.157 3.787 4.015 3.804 3.888 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 4.500 4.375 4.625 ------ 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 4.125 4.125 4.375 ------ 5.000
>$424K 4.875 4.375 4.625 ------ 4.250 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 3.375 3.500
APR 3.775 3.206 3.646 3.190 3.420 3.545
>$424K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.240 4.033 4.372 ------ 3.878 4.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 4.000 3.625 3.875 4.000
APR 4.161 3.726 4.021 3.771 3.933 4.059
* 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 4.000 3.625 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.750 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 4.125 3.875 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.750 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 3.375 3.500
APR 3.784 3.222 3.658 3.213 3.418 3.544
>$424K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.242 4.033 4.372 ------ 3.878 4.003
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 3.875 4.000
APR 4.170 3.811 4.034 3.839 3.934 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 3.625 3.875 3.625 ------ 5.000
>$424K 4.250 4.375 4.750 ------ 4.250 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 5.000 4.375 4.750 ------ 4.250 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 3.375 3.500
APR 3.799 3.247 3.678 3.250 3.433 3.558
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.997 3.800 4.380 ------ 3.527 3.652
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 3.875 4.000
APR 4.185 3.837 4.054 3.876 3.949 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 3.375 3.750 3.375 4.000 4.125
>$424K 4.125 4.125 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 4.000 4.125
>$424K 4.375 4.125 4.500 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.250 3.625 3.125 3.375 3.500
APR 3.777 3.225 3.653 3.167 3.391 3.516
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.988 3.783 4.367 ------ 3.518 3.643
Jumbo 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.983 3.774 4.359 ------ 3.513 3.638
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.750 3.875 4.000
APR 4.246 3.779 4.009 3.792 3.883 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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