【房贷利率】4月5日星期四(利率持平)
奇虎贷款-100436 04/05 6800
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(4月5日 星期四)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4.375%,15年固定利率保持在3.875%,
5/1 ARM利率保持在3.750%。购房贷款40万左右,30年固定利率保持在4.250%,15年固定
利率保持在3.750%,5/1 ARM利率保持在3.625%.
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 | 4.375 | 3.875 | 4.250 | 3.875 | 3.750 | 3.875 |
>$453K | 4.500 | 4.000 | 4.625 | ------ | 3.750 | ------ |
Jumbo | 4.500 | 4.625 | ------ | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
>$453K | 4.625 | 4.125 | ------ | ------ | 3.875 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 3.625 | 3.750 |
APR | 4.297 | 3.795 | 4.160 | 3.815 | 3.670 | 3.775 |
>$453K | 4.375 | 3.875 | 4.375 | ------ | 3.625 | 4.375 |
APR | 4.413 | 3.922 | 4.446 | ------ | 3.661 | 4.410 |
Jumbo | 4.375 | 4.250 | ------ | ------ | 4.000 | 3.875 |
APR | 4.398 | 4.328 | ------ | ------ | 4.023 | 3.918 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.776 | 4.333 | 4.550 | 4.369 | ------ | ------ |
********** 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 | 4.375 | 3.875 | 4.250 | 3.875 | 3.750 | 3.875 |
>$453K | 4.625 | 4.625 | ------ | ------ | 4.375 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.625 | 3.750 |
APR | 4.267 | 3.744 | 4.120 | 3.741 | 3.642 | 3.746 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 3.875 |
APR | 4.373 | 4.284 | ------ | ------ | 3.998 | 3.894 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.746 | 4.281 | 4.510 | 4.294 | ------ | ------ |
************ 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 | 4.500 | 4.000 | 4.250 | 4.000 | 3.875 | 4.000 |
>$453K | 4.750 | ------ | ------ | ------ | 4.500 | 4.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.625 | 3.750 |
APR | 4.261 | 3.750 | 4.125 | 3.751 | 3.646 | 3.750 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 3.875 |
APR | 4.376 | 4.289 | ------ | ------ | 4.001 | 3.896 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.739 | 4.288 | 4.515 | 4.304 | ------ | ------ |
*********** 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 | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
>$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 | 4.750 | 5.250 | 4.625 | ------ | ------ | 5.375 |
>$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 | 4.250 | 3.625 | 4.000 | 3.625 | 3.625 | 3.750 |
APR | 4.266 | 3.726 | 4.079 | 3.771 | 3.671 | 3.775 |
>$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 | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ |
APR | 4.673 | 4.227 | 4.522 | 4.272 | ------ | ------ |
*********** 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 | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ |
>$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 | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.625 | 3.750 |
APR | 4.275 | 3.775 | 4.144 | 3.786 | 3.669 | 3.774 |
>$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 | 4.625 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.683 | 4.312 | 4.534 | 4.340 | ------ | ------ |
*********** 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 | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$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 | 4.500 | 4.250 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.625 | 3.750 |
APR | 4.289 | 3.800 | 4.165 | 3.823 | 3.683 | 3.788 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 3.875 |
APR | 4.382 | 4.300 | ------ | ------ | 4.007 | 3.903 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.698 | 4.338 | 4.555 | 4.377 | ------ | ------ |
************ 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 | 4.375 | 3.875 | 4.250 | 3.875 | 3.750 | 3.875 |
>$453K | 4.625 | 4.625 | ------ | ------ | 4.375 | 4.250 |
Jumbo | 4.500 | 4.625 | ------ | ------ | 4.250 | 4.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.625 | 3.750 |
APR | 4.267 | 3.743 | 4.119 | 3.739 | 3.641 | 3.746 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 3.875 |
APR | 4.373 | 4.283 | ------ | ------ | 3.998 | 3.893 |
Jumbo | 4.375 | 4.250 | ------ | ------ | 4.000 | 3.875 |
APR | 4.368 | 4.275 | ------ | ------ | 3.993 | 3.889 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.746 | 4.280 | 4.509 | 4.293 | ------ | ------ |
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