【房贷利率】12月11日星期四（利率变差） | Welcome

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【房贷利率】12月11日星期四（利率变差）

奇虎贷款利率

奇虎贷款-100436 01/11 7868

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（12月11日星期四)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3.500%，
5/1 ARM利率上升至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利率上升至3.750%.
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 4.000 3.500 3.875 3.500 4.125 4.375
>$453K 4.200 3.750 4.200 ------ 4.000 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 4.000 3.625 4.125 4.375
>$453K 4.625 4.375 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.931 3.349 3.799 3.393 3.680 3.806
>$453K 4.050 3.625 4.050 ------ 3.875 4.125
APR 4.093 3.654 4.110 ------ 3.903 4.153
Jumbo 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.138 3.953 4.527 ------ 3.793 3.783
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 3.875 4.125
APR 4.411 3.975 4.175 4.020 3.912 4.163
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 4.000 3.500 3.875 3.500 4.000 4.250
>$453K 4.250 4.250 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 4.000 3.625 4.875 4.250
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.902 3.298 3.759 3.320 3.652 3.777
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.113 3.909 4.492 ------ 3.769 3.759
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 3.875 4.125
APR 4.382 3.924 4.134 3.946 3.884 4.134
* 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 4.125 3.625 3.875 3.625 4.250 4.375
>$453K 4.500 4.500 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.000 3.750 4.250 4.375
>$453K 5.000 4.500 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.896 3.305 3.765 3.330 3.656 3.781
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.115 3.913 4.496 ------ 3.771 3.761
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 3.875 4.125
APR 4.375 3.931 4.140 3.955 3.888 4.138
* 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 4.125 3.625 4.000 3.625 ------ 5.125
>$453K 5.000 4.500 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.125 4.250 ------ ------ 5.125
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.901 3.313 3.771 3.342 3.681 3.806
>$453K 4.750 4.125 4.500 ------ 3.875 4.125
APR 4.747 4.158 4.497 ------ 3.878 4.128
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 3.875 4.125
APR 4.297 3.939 4.146 3.968 3.933 4.184
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 4.250 3.875 4.125 3.875 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.750 4.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.125 4.250 4.125 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.750 4.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.909 3.329 3.783 3.364 3.679 3.805
>$453K 4.750 4.125 4.500 ------ 3.875 4.125
APR 4.748 4.158 4.497 ------ 3.878 4.128
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 3.875 4.125
APR 4.306 3.955 4.159 3.991 3.934 4.185
* 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 4.125 3.750 4.000 3.750 ------ 5.125
>$453K 4.500 4.500 4.875 ------ 4.250 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 ------ 5.125
>$453K 5.125 4.500 4.875 ------ 4.250 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.924 3.354 3.803 3.402 3.694 3.819
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.122 3.925 4.505 ------ 3.778 3.767
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 3.875 4.125
APR 4.321 3.981 4.179 4.028 3.949 4.200
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 4.000 3.500 3.875 3.500 4.000 4.250
>$453K 4.250 4.250 4.625 ------ 4.000 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 3.875 3.625 4.000 4.250
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.902 3.297 3.776 3.318 3.651 3.777
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.112 3.908 4.492 ------ 3.768 3.758
Jumbo 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.107 3.899 4.484 ------ 3.763 3.753
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 3.875 4.125
APR 4.390 3.923 4.134 3.944 3.883 4.133
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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