【房贷利率】10月31日星期三（利率持平） | 奇虎贷款

【房贷利率】10月31日星期三（利率持平）

🌟奇虎贷款利率

奇虎贷款-100436 10/31 7350

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（10月31日星期三) 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4.875%，15年固定利率保持在4.250%，
5/1 ARM利率保持在4.250%。购房贷款40万左右，30年固定利率保持在4.750%，15年固定
利率保持在4.125%，5/1 ARM利率保持在4.250%.
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 4.875 4.250 4.625 4.250 ------ ------
>$453K 4.875 ------ 5.000 ------ 4.500 ------
Jumbo 5.125 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.500 4.875 4.500 ------ ------
>$453K 5.000 ------ 5.500 ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.125 4.500 4.125 4.250 4.375
APR 4.759 4.196 4.556 4.228 4.301 4.416
>$453K 4.750 4.250 4.750 ------ 4.250 ------
APR 4.792 4.324 4.808 ------ 4.292 ------
Jumbo 4.875 4.750 ------ ------ 4.250 4.375
APR 4.892 4.818 ------ ------ 4.288 4.403
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.875 5.000 ------ ------ ------
APR 5.179 4.976 5.072 ------ ------ ------
** 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 4.875 4.250 4.625 4.250 ------ 4.625
>$453K 5.125 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.375 4.875 4.375 ------ ------
>$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 4.750 4.125 4.500 4.125 4.250 4.375
APR 4.740 4.145 4.530 4.153 4.272 4.386
>$453K 4.875 4.750 ------ ------ 4.250 4.375
APR 4.867 4.773 ------ ------ 4.263 4.377
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 4.875 5.125 ------ ------ ------
APR 5.228 4.904 5.111 ------ ------ ------
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 4.875 4.375 4.750 4.375 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.875 4.875 5.000 ------ ------
>$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 4.750 4.125 4.500 4.125 4.250 4.375
APR 4.733 4.151 4.536 4.163 4.275 4.390
>$453K 4.875 4.750 ------ ------ 4.250 4.375
APR 4.869 4.778 ------ ------ 4.266 4.380
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 4.875 5.125 ------ ------ ------
APR 5.152 4.911 5.116 ------ ------ ------
* 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 4.875 4.375 4.875 4.375 ------ ------
>$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 5.375 5.000 5.500 ------ ------ ------
>$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 4.625 4.125 4.500 4.125 4.250 4.375
APR 4.667 4.160 4.542 4.175 4.301 4.416
>$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 5.125 4.875 5.000 ------ ------ ------
APR 5.157 4.978 5.058 ------ ------ ------
*** 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 5.125 5.000 5.000 ------ ------ ------
>$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 5.250 ------ 5.125 ------ ------ ------
>$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 4.625 4.125 4.500 4.125 4.250 4.375
APR 4.676 4.176 4.555 4.198 4.300 4.415
>$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 5.125 4.875 5.000 ------ ------ ------
APR 5.167 4.989 5.071 ------ ------ ------
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 5.000 4.500 4.875 4.500 ------ ------
>$453K 5.250 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 ------ 5.000 ------ ------ ------
>$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 4.625 4.125 4.500 4.125 4.250 4.375
APR 4.691 4.202 4.576 4.236 4.315 4.430
>$453K 4.875 4.750 ------ ------ 4.250 4.375
APR 4.876 4.790 ------ ------ 4.272 4.387
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.125 5.000 5.000 ------ ------ ------
APR 5.182 5.095 5.092 ------ ------ ------
* 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 4.875 4.250 4.625 4.250 ------ 4.625
>$453K 5.125 ------ ------ ------ ------ ------
Jumbo 5.000 ------ ------ ------ 4.500 ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.000 4.375 4.875 4.375 ------ ------
>$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 4.750 4.125 4.500 4.125 4.250 4.375
APR 4.739 4.144 4.529 4.152 4.271 4.386
>$453K 4.875 4.750 ------ ------ 4.250 4.375
APR 4.866 4.773 ------ ------ 4.263 4.377
Jumbo 4.875 4.750 ------ ------ 4.250 4.375
APR 4.861 4.764 ------ ------ 4.258 4.372
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 5.250 4.875 5.125 ------ ------ ------
APR 5.228 4.903 5.110 ------ ------ ------
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

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