【房贷利率】6月11日星期一（利率变差） | Welcome

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【房贷利率】6月11日星期一（利率变差）

奇虎贷款利率

奇虎贷款-100436 06/11 9061

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（6月11日星期一)开盘时的房贷利率价格和上个工作日相比变差。目前
重新贷款40万左右的利率，30年固定利率上升至4.625%，15年固定利率保持在4.000%，
5/1 ARM利率保持在4.125%。购房贷款40万左右，30年固定利率上升至4.500%，15年固定
利率保持在3.875%，5/1 ARM利率保持在3.875%.
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 $453K, 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
<=$453K 4.625 4.000 4.375 4.000 4.125 4.250
>$453K 4.625 4.125 ------ ------ 4.000 ------
Jumbo 4.750 4.750 ------ ------ 4.375 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.500 4.125 ------ ------
>$453K 4.750 ------ ------ ------ 4.375 ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 3.875 4.250 3.875 3.875 4.000
APR 4.515 3.938 4.315 3.966 3.910 4.046
>$453K 4.625 4.000 ------ ------ 3.875 ------
APR 4.631 4.085 ------ ------ 3.901 ------
Jumbo 4.625 4.375 ------ ------ 4.000 4.000
APR 4.627 4.435 ------ ------ 4.033 4.033
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.500 4.625 4.500 ------ ------
APR 4.924 4.546 4.705 4.565 ------ ------
* MARYLAND *
(Based on Conforming Loan $453K, 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
<=$453K 4.625 4.000 4.375 4.000 4.125 4.250
>$453K 4.750 4.750 ------ ------ 4.375 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.500 4.125 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 3.875 4.250 3.875 3.875 4.000
APR 4.486 3.887 4.274 3.892 3.882 4.017
>$453K 4.625 4.375 ------ ------ 4.000 4.000
APR 4.602 4.391 ------ ------ 4.009 4.009
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.500 4.625 4.500 ------ ------
APR 4.893 4.494 4.664 4.491 ------ ------
* VIRGINIA *
(Based on Conforming Loan $453K, 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
<=$453K 4.625 4.125 4.500 4.125 4.250 4.375
>$453K 4.875 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.625 4.250 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.250 3.875 3.875 4.000
APR 4.407 3.894 4.279 3.902 3.886 4.021
>$453K 4.625 4.375 ------ ------ 4.000 4.000
APR 4.604 4.395 ------ ------ 4.011 4.011
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.500 4.625 4.500 ------ ------
APR 4.886 4.500 4.670 4.501 ------ ------
* 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
<=$453K 4.625 4.125 4.500 4.125 ------ ------
>$453K 5.250 4.875 5.000 ------ 4.500 4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.875 ------ ------ ------ ------
>$453K 5.250 4.875 5.000 ------ 4.625 4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.750 4.250 3.750 3.875 4.000
APR 4.412 3.851 4.286 3.896 3.911 4.047
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.997 4.533 4.747 ------ 4.253 4.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.375 4.625 4.375 ------ ------
APR 4.810 4.459 4.676 4.496 ------ ------
* 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
<=$453K 4.750 4.375 4.625 4.375 ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.500 4.750 4.500 ------ ------
>$453K 5.625 5.125 5.375 ------ 5.125 5.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.250 3.875 3.875 4.000
APR 4.421 3.918 4.299 3.937 3.909 4.045
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
APR 4.998 4.534 4.747 ------ 4.253 4.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.375 4.625 4.375 ------ ------
APR 4.901 4.475 4.689 4.519 ------ ------
* 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
<=$453K 4.750 4.250 4.500 4.250 ------ ------
>$453K 5.000 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.500 4.625 4.500 ------ ------
>$453K 5.375 4.875 5.125 ------ 4.625 4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.250 3.875 3.875 4.000
APR 4.436 3.944 4.319 3.975 3.924 4.060
>$453K 4.625 4.375 ------ ------ 4.000 4.000
APR 4.611 4.407 ------ ------ 4.018 4.018
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.375 4.625 4.375 ------ ------
APR 4.916 4.501 4.710 4.557 ------ ------
* WASHINGTON ***********
(Based on Conforming Loan $453K, 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
<=$453K 4.625 4.000 4.375 4.000 4.125 4.250
>$453K 4.750 4.750 ------ ------ 4.375 4.375
Jumbo 4.750 4.750 ------ ------ 4.375 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.500 4.125 ------ ------
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 3.875 4.250 3.875 3.875 4.000
APR 4.485 3.886 4.273 3.891 3.881 4.017
>$453K 4.625 4.375 ------ ------ 4.000 4.000
APR 4.601 4.390 ------ ------ 4.008 4.008
Jumbo 4.625 4.375 ------ ------ 4.000 4.000
APR 4.596 4.381 ------ ------ 4.003 4.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.875 4.500 4.625 4.500 ------ ------
APR 4.892 4.493 4.663 4.489 ------ ------
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
arli@tigerloans.com

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