【房贷利率】1月23日星期一 | 奇虎贷款

【房贷利率】1月23日星期一

🌟奇虎贷款利率

奇虎贷款-100436 01/23 6690

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（1月23日星期一)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4.000%，15年固定利率保持在3.250%，
5/1 ARM利率保持在3.250%。购房贷款40万左右，30年固定利率保持在3.990%，15年固定
利率保持在3.125%，5/1 ARM利率保持在2.990%.
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 4.000 3.250 3.875 3.250 3.250 3.500
>$424K 4.200 3.375 4.000 3.375 3.625 3.875
Jumbo 4.250 4.000 ------ ------ 3.500 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.375 3.625 3.875
>$424K 4.375 4.125 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.125 3.750 3.125 2.990 3.250
APR 4.029 3.205 3.816 3.220 3.036 3.304
>$424K 4.125 3.250 4.000 3.250 3.500 3.625
APR 4.139 3.317 3.996 3.336 3.526 3.665
Jumbo 4.250 3.750 ------ ------ 3.375 3.625
APR 4.253 3.789 ------ ------ 3.398 3.642
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.125 3.990
APR 4.297 3.669 4.185 3.689 4.176 4.048
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 4.000 3.250 3.875 3.250 3.250 3.500
>$424K 4.375 4.000 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.375 3.625 3.875
>$424K 4.375 4.125 ------ ------ 3.625 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.125 3.750 3.125 2.990 3.250
APR 3.970 3.155 3.762 3.105 2.999 3.269
>$424K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.228 3.782 ------ ------ 3.374 3.617
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.000 3.990
APR 4.267 3.619 4.138 3.616 4.028 4.008
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 4.125 3.375 3.990 3.375 3.500 3.750
>$424K ------ ------ ------ ------ 3.750 3.875
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 3.750 3.990
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.125 3.750 3.125 2.990 3.250
APR 3.974 3.161 3.767 3.114 3.003 3.273
>$424K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.231 3.787 ------ ------ 3.377 3.620
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.000 3.990
APR 4.261 3.625 4.143 3.626 4.031 4.012
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 4.000 3.375 3.625 3.875
>$424K ------ ------ ------ ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.750 ------ 4.375
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.125 2.990 3.250
APR 3.921 3.170 3.787 3.180 3.030 3.300
>$424K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.227 3.780 ------ ------ 3.373 3.616
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 4.125 3.990
APR 4.266 3.582 4.155 3.619 4.162 4.041
* 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 3.500 4.125 3.500 ------ 4.500
>$424K ------ ------ ------ ------ ------ 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.250 3.625 ------ ------
>$424K ------ ------ ------ ------ ------ 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.125 2.990 3.250
APR 3.930 3.185 3.787 3.174 3.042 3.303
>$424K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.232 3.788 ------ ------ 3.377 3.620
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 4.125 4.250
APR 4.275 3.598 4.173 3.642 4.181 4.302
* 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 3.375 4.000 3.375 3.750 3.990
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.125 4.375
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.125 2.990 3.250
APR 3.945 3.211 3.828 3.210 3.057 3.318
>$424K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.237 3.798 ------ ------ 3.383 3.626
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 4.125 4.250
APR 4.290 3.624 4.196 3.680 4.192 4.319
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 4.125 3.375 3.875 3.250 3.250 3.625
>$424K 4.375 4.000 ------ ------ 3.625 3.750
Jumbo 4.250 3.875 ------ ------ 3.375 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.200 3.500 4.000 3.375 3.625 3.875
>$424K 4.375 4.125 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.125 2.990 3.250
APR 3.970 3.219 3.761 3.093 2.999 3.269
>$424K 4.250 3.750 ------ ------ 3.375 3.625
APR 4.228 3.782 ------ ------ 3.374 3.617
Jumbo 4.125 3.750 ------ ------ 3.250 3.500
APR 4.134 3.736 ------ ------ 3.250 3.495
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.750 4.000 3.990
APR 4.380 3.677 4.133 3.767 4.027 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: (949) 829-3863
Fax: (877) 442-7883
apply@tigerloans.com

Texas:
2775 Villa Creek Road, Ste 124
Dallas, TX 75234
Phone: (866) 269-9847
Fax: (877) 442-7883

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