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【房贷利率】8月12日星期一（利率变好）

奇虎贷款利率

奇虎贷款-100436 08/12 3648

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（8月12日星期一) 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年固定利率降低至3.625%，15年固定利率下降至3.125%，
5/1 ARM利率下降至3.375%。购房贷款40万左右，30年固定利率下降至3.500%，15年固定
利率降低至3.000%，5/1 ARM利率降低至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 $483K, High-Balance Loan $726K, Jumbo Loan $800K. 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
<=$484K 3.625 3.125 3.500 3.250 3.500 ------
>$484K 3.625 3.000 ------ ------ 3.500 ------
Jumbo 3.875 3.750 ------ ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.750 3.625 3.625 ------ ------
>$484K 4.000 3.250 ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 3.500 3.500
APR 3.894 3.426 3.819 3.423 3.789 3.904
>$484K 3.500 2.875 ------ ------ 3.750 ------
APR 3.620 3.043 ------ ------ 3.780 ------
Jumbo 3.625 3.625 ------ ------ 3.375 3.375
APR 3.700 3.673 ------ ------ 3.651 3.777
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.625 4.125 4.125 ------ ------
APR 4.180 3.737 4.231 4.228 ------ ------
* 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
<=$484K 4.000 3.625 3.875 3.500 3.875 4.000
>$484K 4.625 4.250 ------ ------ 4.250 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.750 4.000 3.750 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.750 3.375 3.750 3.875
APR 3.865 3.376 3.779 3.350 3.761 3.876
>$484K 4.500 3.625 ------ ------ 3.625 3.750
APR 4.481 3.629 ------ ------ 3.627 3.752
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.375 4.125 ------ ------
APR 4.490 4.163 4.390 4.153 ------ ------
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
<=$484K 4.000 3.625 4.000 3.625 ------ ------
>$484K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.875 4.250 3.875 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.750 3.375 3.750 3.875
APR 3.859 3.383 3.785 3.360 3.765 3.879
>$484K 4.500 3.625 ------ ------ 3.625 3.750
APR 4.484 3.634 ------ ------ 3.630 3.755
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.125 4.375 4.125 ------ ------
APR 4.401 4.170 4.396 4.163 ------ ------
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
<=$484K 4.125 3.750 4.000 3.750 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 5.500 5.125 5.625 ------ ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.250 3.750 3.250 3.750 3.875
APR 3.790 3.339 3.791 3.352 3.790 3.905
>$484K 4.250 ------ ------ ------ 4.250 ------
APR 4.239 ------ ------ ------ 4.263 ------
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.125 4.375 4.000 ------ ------
APR 4.406 4.178 4.402 4.131 ------ ------
** 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
<=$484K 4.375 4.125 4.375 4.000 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.250 4.500 4.250 ------ ------
>$484K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.375 3.750 3.250 3.750 3.875
APR 3.799 3.407 3.803 3.375 3.788 3.903
>$484K 4.250 ------ ------ ------ 4.250 ------
APR 4.242 ------ ------ ------ 4.265 ------
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.125 4.375 4.125 ------ ------
APR 4.415 4.194 4.415 4.198 ------ ------
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
<=$484K 4.250 3.875 4.125 3.750 ------ ------
>$484K 4.875 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.125 4.375 4.125 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.375 3.750 3.250 3.750 3.875
APR 3.813 3.432 3.824 3.412 3.803 3.918
>$484K 4.500 3.625 ------ ------ 3.625 3.750
APR 4.490 3.645 ------ ------ 3.636 3.761
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 4.125 4.375 4.125 ------ ------
APR 4.430 4.221 4.436 4.236 ------ ------
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
<=$484K 4.000 3.625 3.875 3.500 3.875 4.000
>$484K 4.625 4.250 ------ ------ 4.250 4.375
Jumbo 4.625 4.125 ------ ------ 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.750 4.000 3.750 ------ ------
>$484K 4.375 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.375 3.750 3.375 3.750 3.875
APR 3.865 3.375 3.779 3.349 3.760 3.875
>$484K 4.500 3.625 ------ ------ 3.625 3.750
APR 4.481 3.629 ------ ------ 3.627 3.752
Jumbo 4.500 3.625 ------ ------ 3.625 3.750
APR 4.476 3.620 ------ ------ 3.622 3.747
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 4.125 4.375 4.125 ------ ------
APR 4.489 4.162 4.390 4.152 ------ ------
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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