【房贷利率】2月15日星期三 | 奇虎贷款

【房贷利率】2月15日星期三

🌟奇虎贷款利率

奇虎贷款-100436 02/15 6154

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 Visa的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（2月15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4.125%，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4.000%，15年固定
利率保持在3.250%，5/1 ARM利率上升至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 $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 3.950 3.250 3.250 3.500
>$424K 4.250 3.375 4.125 3.375 3.750 3.990
Jumbo 4.375 3.875 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.375 4.000 3.375 3.625 3.875
>$424K 4.500 3.875 4.375 ------ 3.750 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.025 3.240 3.890 3.240 3.149 3.304
>$424K 4.200 3.375 4.000 3.250 3.500 3.750
APR 4.226 3.380 4.039 3.310 3.538 3.777
Jumbo 4.250 3.625 4.250 ------ 3.625 3.750
APR 4.261 3.697 4.272 ------ 3.646 3.768
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.625 3.875
APR 4.411 3.706 4.204 3.617 3.657 3.907
* 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 4.500 4.000 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.375 4.000 3.375 3.625 3.750
>$424K 4.500 4.000 4.375 ------ 3.750 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 3.996 3.190 3.848 3.125 3.122 3.274
>$424K 4.250 3.750 4.250 ------ 3.625 3.750
APR 4.257 3.755 4.237 ------ 3.621 3.744
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.625 3.875
APR 4.382 3.655 4.163 3.544 3.628 3.878
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 3.950 3.250 3.500 3.750
>$424K 4.500 4.125 4.500 ------ 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 3.375 3.750 3.990
>$424K 4.625 4.125 4.500 ------ 3.875 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 3.990 3.196 3.844 3.134 3.125 3.278
>$424K 4.250 3.750 4.250 ------ 3.625 3.750
APR 4.260 3.760 4.241 ------ 3.624 3.746
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.625 3.875
APR 4.375 3.662 4.169 3.553 3.632 3.882
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 3.625 3.875
>$424K 4.500 4.250 4.500 ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.500 3.750 4.250 3.750 ------ 4.375
>$424K 4.625 4.250 4.500 ------ 3.875 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 3.995 3.205 3.868 3.201 3.149 3.305
>$424K 4.250 3.750 4.250 ------ 3.625 3.750
APR 4.258 3.756 4.241 ------ 3.624 3.742
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 3.625 3.875
APR 4.308 3.600 4.175 3.566 3.672 3.923
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 4.500 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
<=$424K 4.375 3.750 4.250 3.625 ------ ------
>$424K 4.750 4.500 4.750 ------ 4.500 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.004 3.220 3.880 3.194 3.148 3.303
>$424K 4.250 3.750 4.250 ------ 3.625 3.750
APR 4.261 3.761 4.241 ------ 3.624 3.747
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 3.625 3.875
APR 4.389 3.686 4.188 3.588 3.673 3.924
* 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 3.500 4.125 3.375 3.750 3.990
>$424K 4.500 4.250 4.500 ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.500 4.000 4.250
>$424K 4.625 4.250 4.500 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.018 3.246 3.913 3.231 3.162 3.318
>$424K 4.250 3.750 4.250 ------ 3.625 3.750
APR 4.267 3.771 4.249 ------ 3.630 3.752
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 4.125 3.500 3.625 3.875
APR 4.143 3.713 4.209 3.627 3.687 3.938
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 3.625
>$424K 4.500 4.000 4.375 ------ 3.750 3.875
Jumbo 4.375 3.875 4.250 ------ 3.750 3.750
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 3.500 3.750
>$424K 4.500 4.000 4.375 ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.875 3.125 3.125 3.250
APR 4.019 3.236 3.838 3.113 3.133 3.274
>$424K 4.250 3.750 4.250 ------ 3.625 3.750
APR 4.257 3.754 4.237 ------ 3.621 3.743
Jumbo 4.250 3.625 4.250 ------ 3.500 3.625
APR 4.231 3.644 4.231 ------ 3.505 3.622
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.450 3.750 4.250 3.750 3.625 3.875
APR 4.455 3.752 4.215 3.806 3.628 3.878

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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