【房贷利率】7月5日星期三 (利率变差) | 奇虎贷款

【房贷利率】7月5日星期三 (利率变差)

🌟奇虎贷款利率

奇虎贷款-100436 07/05 4489

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5日星期三)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4.000%，15年固定利率上升至3.250%，
5/1 ARM利率上升至3.625%。购房贷款40万左右，30年固定利率上升至3.875%，15年固定
利率上升至3.125%，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 4.000 3.250 3.875 3.125 3.625 3.500
>$424K 4.250 3.375 4.125 3.375 3.625 3.750
Jumbo 4.125 3.750 4.375 ------ 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 4.000
>$424K 4.250 4.000 4.375 ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.125 3.250
APR 3.910 3.187 3.770 3.116 3.179 3.304
>$424K 4.125 3.250 3.875 3.250 3.500 3.500
APR 4.141 3.278 3.919 3.267 3.524 3.534
Jumbo 4.000 3.625 4.250 ------ 3.375 3.500
APR 4.035 3.694 4.276 ------ 3.418 3.520
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.500 3.750
APR 4.297 3.688 4.146 3.617 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 4.000 3.250 3.875 3.125 3.500 3.500
>$424K 4.125 3.875 4.375 ------ 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 3.625 3.875
>$424K 4.250 3.875 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.125 3.250
APR 3.882 3.137 3.728 3.043 3.151 3.276
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
APR 4.011 3.749 4.242 ------ 3.394 3.496
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.500 3.750
APR 4.267 3.637 4.106 3.544 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 4.000 3.250 3.875 3.250 3.625 4.000
>$424K 4.500 4.125 4.500 ------ 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 4.000 3.375 3.875 4.000
>$424K 4.750 4.125 4.500 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
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 3.250
APR 3.875 3.143 3.667 3.053 3.155 3.280
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
APR 4.013 3.754 4.246 ------ 3.397 3.499
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.500 3.750
APR 4.261 3.644 4.111 3.553 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 3.875 4.125
>$424K 4.750 4.125 4.500 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.750 ------ 4.750
>$424K 4.750 4.125 4.500 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.000 3.625 3.000 3.125 3.250
APR 3.880 3.099 3.704 3.065 3.179 3.305
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
APR 4.009 3.747 4.247 ------ 3.393 3.495
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.000 3.375 3.500 3.750
APR 4.266 3.600 4.065 3.520 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 3.500 4.000 3.375 ------ ------
>$424K 5.125 4.375 4.875 ------ 4.000 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.125 3.625 ------ ------
>$424K 5.125 4.375 4.875 ------ 4.000 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 3.000 3.125 3.250
APR 3.889 3.167 3.755 3.088 3.178 3.303
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
APR 4.014 3.755 4.247 ------ 3.397 3.499
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.000 3.500 3.500 3.750
APR 4.275 3.668 4.077 3.588 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 3.375 4.000 3.375 4.125 4.250
>$424K 4.625 4.125 4.625 ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 ------ 4.625
>$424K 4.875 4.125 4.625 ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.750 3.000 3.125 3.250
APR 3.903 3.193 3.800 3.124 3.192 3.317
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
APR 4.020 3.766 4.255 ------ 3.403 3.505
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.000 3.500 3.500 3.750
APR 4.289 3.694 4.097 3.626 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 4.000 3.250 3.750 3.125 3.500 3.500
>$424K 4.125 3.875 4.375 ------ 3.625 3.625
Jumbo 4.125 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 4.125 3.375 3.875 3.250 3.625 3.875
>$424K 4.250 3.875 4.375 ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
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 3.250
APR 3.881 3.136 3.661 3.042 3.151 3.276
>$424K 4.000 3.750 4.250 ------ 3.375 3.500
APR 4.010 3.749 4.242 ------ 3.394 3.496
Jumbo 4.000 3.625 4.250 ------ 3.375 3.375
APR 3.984 3.641 4.234 ------ 3.369 3.380
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.500 3.500 3.750
APR 4.267 3.636 4.105 3.542 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

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