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【房贷利率】1月31日星期二

奇虎贷款利率

奇虎贷款-100436 01/31 5140

2.5/2

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（1月31日星期二)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4.125%，15年固定利率保持在3.250%，
5/1 ARM利率保持在3.250%。购房贷款40万左右，30年固定利率保持在3.990%，15年固定
利率保持在3.250%，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 4.125 3.250 3.875 3.250 3.250 3.625
>$424K 4.250 3.375 4.000 3.500 3.750 3.875
Jumbo 4.250 3.750 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.375 3.500 3.875
>$424K 4.500 3.875 4.500 ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.875 3.125 3.125 3.250
APR 4.048 3.222 3.877 3.235 3.151 3.304
>$424K 4.125 3.250 4.000 3.250 3.500 3.625
APR 4.172 3.318 4.006 3.360 3.535 3.671
Jumbo 4.125 3.625 ------ ------ 3.375 3.625
APR 4.159 3.653 ------ ------ 3.408 3.649
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.250 3.625 3.875 3.990
APR 4.401 3.688 4.256 3.716 3.929 4.035
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 4.125 3.250 3.875 3.250 3.250 3.500
>$424K 4.375 3.875 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 4.000 3.375 3.500 3.750
>$424K 4.375 4.000 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.875 3.125 3.000 3.250
APR 4.009 3.172 3.831 3.120 3.023 3.266
>$424K 4.250 3.625 ------ ------ 3.375 3.625
APR 4.230 3.647 ------ ------ 3.384 3.627
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.250 3.625 3.875 3.990
APR 4.371 3.637 4.216 3.642 3.896 3.995
* 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 4.125 3.375 4.000 3.375 3.375 3.625
>$424K 4.500 4.000 ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 3.625 3.875
>$424K 4.500 4.250 ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.875 3.125 3.000 3.250
APR 4.013 3.178 3.836 3.129 3.026 3.270
>$424K 4.250 3.625 ------ ------ 3.375 3.625
APR 4.232 3.651 ------ ------ 3.387 3.629
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.250 3.625 3.875 3.990
APR 4.282 3.644 4.221 3.652 3.893 3.999
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 4.000 3.375 3.500 3.750
>$424K 4.500 4.000 ------ ------ 3.875 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 ------ 4.250
>$424K 4.500 4.250 ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.125 3.875 3.125 3.000 3.250
APR 3.932 3.206 3.848 3.195 3.034 3.297
>$424K 4.250 3.625 ------ ------ 3.375 3.625
APR 4.230 3.648 ------ ------ 3.383 3.625
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 3.875 3.990
APR 4.287 3.582 4.190 3.619 3.904 4.027
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 4.125 3.500 ------ 4.375
>$424K 4.625 ------ ------ ------ ------ 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.250 3.750 ------ ------
>$424K 4.625 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.125 3.750 3.125 3.125 3.250
APR 3.993 3.222 3.816 3.189 3.150 3.303
>$424K 4.250 3.625 ------ ------ 3.375 3.625
APR 4.233 3.652 ------ ------ 3.387 3.630
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 3.875 3.990
APR 4.296 3.598 4.202 3.642 3.928 4.040
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 4.250 3.375 4.125 3.375 3.625 3.875
>$424K 4.500 4.125 ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.250 3.625 3.875 4.250
>$424K 4.500 4.375 ------ ------ 4.000 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.125 3.875 3.125 3.000 3.250
APR 4.008 3.248 3.888 3.225 3.062 3.318
>$424K 4.250 3.625 ------ ------ 3.375 3.625
APR 4.239 3.663 ------ ------ 3.393 3.636
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.125 3.500 3.875 3.990
APR 4.311 3.624 4.224 3.680 3.937 4.057
* 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 4.125 3.375 3.875 3.250 3.250 3.500
>$424K 4.375 3.875 ------ ------ 3.625 3.750
Jumbo 4.250 3.750 ------ ------ 3.500 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.000 3.500 3.375 3.750
>$424K 4.375 4.000 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.875 3.125 3.000 3.250
APR 4.008 3.225 3.826 3.108 3.019 3.265
>$424K 4.250 3.625 ------ ------ 3.375 3.625
APR 4.229 3.646 ------ ------ 3.384 3.626
Jumbo 4.125 3.625 ------ ------ 3.250 3.500
APR 4.129 3.601 ------ ------ 3.259 3.504
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.250 3.750 3.875 3.990
APR 4.393 3.751 4.221 3.803 3.892 3.995

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

Texas:
2775 Villa Creek Road, Ste 124
Dallas, TX 75234
Phone: (866) 269-9847
Fax: (877) 442-7883

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