【房贷利率】4月18日星期二(利率变好) | Welcome

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【房贷利率】4月18日星期二(利率变好)

奇虎贷款利率

奇虎贷款-100436 04/18 8174

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（4月18日星期二)开盘时的房贷利率价格和上个工作日相比变好。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年固定利率下降至3.125%，
5/1 ARM利率保持在3.125%。购房贷款40万左右，30年固定利率保持在3.750%，15年固定
利率保持在3.000%，5/1 ARM利率下降至2.875%.
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 $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 3.125 3.625 3.125 3.125 3.375
>$424K 4.000 3.250 3.875 3.250 3.625 3.750
Jumbo 4.125 3.625 4.250 ------ 3.500 3.625
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 3.625
>$424K 4.250 3.625 4.250 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.785 3.080 3.531 3.002 2.928 3.179
>$424K 3.990 3.125 3.750 3.125 3.250 3.500
APR 4.023 3.181 3.792 3.218 3.285 3.532
Jumbo 4.000 3.500 4.125 ------ 3.375 3.375
APR 4.035 3.544 4.147 ------ 3.400 3.411
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.625 3.750
APR 4.171 3.544 3.929 3.466 3.657 3.782
* 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 3.125 3.625 3.000 3.125 3.375
>$424K 4.125 3.750 4.250 ------ 3.500 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.625 3.125 3.500 3.625
>$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 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.757 3.030 3.489 2.896 2.901 3.151
>$424K 4.000 3.625 4.125 ------ 3.375 3.375
APR 4.010 3.605 4.112 ------ 3.376 3.387
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.625 3.875
APR 4.142 3.494 3.886 3.392 3.628 3.903
* 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 3.625 3.125 3.250 3.500
>$424K 4.625 4.000 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.750 3.250 3.750 3.750
>$424K 4.625 4.000 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.750 3.036 3.486 2.906 2.904 3.155
>$424K 4.000 3.625 4.125 ------ 3.375 3.375
APR 4.013 3.610 4.116 ------ 3.379 3.390
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.625 3.750
APR 4.136 3.500 3.883 3.402 3.632 3.757
* 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 3.250 3.750 3.250 3.625 3.625
>$424K 4.625 4.125 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 4.125 4.125
>$424K 4.625 4.125 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.755 3.045 3.541 2.948 2.928 3.179
>$424K 4.000 3.625 4.125 ------ 3.375 3.375
APR 4.008 3.602 4.116 ------ 3.375 3.386
INVESTMENT PROPERTY - PURCHASE:
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 3.750
APR 4.140 3.457 3.914 3.395 3.672 3.798
* 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 4.125 3.375 3.875 3.250 4.125 4.125
>$424K 4.875 4.375 4.625 ------ 4.000 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 3.950 3.500 4.375 4.375
>$424K 4.875 4.375 4.625 ------ 4.125 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.764 3.060 3.540 2.965 2.927 3.178
>$424K 4.000 3.625 4.125 ------ 3.375 3.375
APR 4.013 3.610 4.116 ------ 3.379 3.390
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.875 3.375 3.625 3.750
APR 4.149 3.472 3.938 3.437 3.673 3.798
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 3.250 3.750 3.250 3.750 3.750
>$424K 4.625 4.125 4.375 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 4.000 4.000
>$424K 4.625 4.125 4.375 ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.778 3.086 3.554 3.002 2.941 3.192
>$424K 4.000 3.625 4.125 ------ 3.375 3.375
APR 4.019 3.621 4.124 ------ 3.385 3.396
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.875 3.375 3.625 3.750
APR 4.165 3.499 3.952 3.475 3.687 3.809
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 3.125 3.625 3.000 3.125 3.375
>$424K 4.125 3.750 4.250 ------ 3.500 3.625
Jumbo 4.125 3.625 4.125 ------ 3.375 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.625 3.125 3.500 3.625
>$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 3.750 3.000 3.500 2.875 2.875 3.125
APR 3.765 3.029 3.480 2.884 2.900 3.151
>$424K 4.000 3.625 4.125 ------ 3.375 3.375
APR 4.010 3.604 4.112 ------ 3.376 3.387
Jumbo 4.000 3.500 4.125 ------ 3.250 3.375
APR 3.984 3.491 4.106 ------ 3.245 3.362
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.375 3.625 3.750
APR 4.142 3.493 3.877 3.391 3.628 3.753
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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