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（4月7日 星期五）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4.000%，15年固定利率保持在3.250%，
5/1 ARM利率保持在3.125%。购房贷款40万左右，30年固定利率保持在3.875%，15年固定
利率保持在3.250%，5/1 ARM利率保持在3.000%.

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 4.000 3.250 3.750 3.250 3.125 3.375 >$424K 4.125 3.375 4.000 3.250 3.750 3.875 Jumbo 4.250 4.000 4.375 ------ 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 3.750 3.250 3.500 3.750 >$424K 4.375 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 3.875 3.250 3.625 3.125 3.000 3.125 APR 3.925 3.222 3.653 3.186 3.037 3.179 >$424K 4.125 3.250 3.875 3.250 3.250 3.625 APR 4.135 3.300 3.930 3.261 3.295 3.669 Jumbo 4.125 3.750 4.250 ------ 3.500 3.625 APR 4.156 3.797 4.272 ------ 3.531 3.645 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.000 3.500 3.625 3.875 APR 4.297 3.688 4.065 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 4.000 3.250 3.750 3.125 3.125 3.375 >$424K 4.250 4.000 4.375 ------ 3.750 3.750 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.375 3.875 3.250 3.375 3.625 >$424K 4.250 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 3.875 3.250 3.625 3.125 3.000 3.125 APR 3.894 3.172 3.610 3.071 3.005 3.151 >$424K 4.125 3.875 4.250 ------ 3.500 3.625 APR 4.131 3.890 4.237 ------ 3.507 3.621 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.000 3.500 3.625 3.875 APR 4.267 3.637 4.022 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 4.000 3.375 3.750 3.250 3.250 3.500 >$424K 4.750 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 4.125 3.500 3.875 3.375 3.625 3.750 >$424K 4.750 4.125 4.500 ------ 3.875 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.250 3.625 3.125 3.000 3.125 APR 3.892 3.178 3.607 3.081 3.009 3.155 >$424K 4.125 3.875 4.250 ------ 3.500 3.625 APR 4.133 3.895 4.241 ------ 3.510 3.624 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 3.950 3.500 3.625 3.875 APR 4.261 3.644 3.985 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 3.875 3.250 3.375 3.750 >$424K 4.750 4.250 4.500 ------ 3.875 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 3.950 3.750 4.875 4.500 >$424K 4.750 4.250 4.500 ------ 3.875 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.125 3.625 3.000 3.000 3.125 APR 3.901 3.206 3.638 3.118 3.017 3.179 >$424K 4.125 3.875 4.250 ------ 3.500 3.625 APR 4.129 3.888 4.241 ------ 3.506 3.619 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.500 3.950 3.500 3.625 3.875 APR 4.266 3.600 4.016 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 3.950 3.500 4.875 4.750 >$424K 5.000 4.500 4.750 ------ 4.250 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 4.125 3.625 ------ ------ >$424K 5.000 4.500 4.750 ------ 4.250 4.250 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.125 3.625 3.000 3.000 3.125 APR 3.909 3.222 3.661 3.140 3.036 3.178 >$424K 4.125 3.875 4.250 ------ 3.500 3.625 APR 4.134 3.896 4.241 ------ 3.510 3.624 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.125 3.500 3.625 3.875 APR 4.275 3.668 4.143 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 4.125 3.500 3.875 3.375 3.625 3.750 >$424K 4.750 4.250 4.500 ------ 4.000 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 4.000 3.500 3.875 4.125 >$424K 4.750 4.250 4.500 ------ 4.000 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.125 3.625 3.000 3.000 3.125 APR 3.924 3.248 3.676 3.178 3.045 3.192 >$424K 4.125 3.875 4.250 ------ 3.500 3.625 APR 4.140 3.911 4.249 ------ 3.516 3.630 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.000 3.500 3.625 3.875 APR 4.290 3.694 4.088 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 3.950 3.250 3.750 3.125 3.125 3.375 >$424K 4.250 4.000 4.375 ------ 3.750 3.750 Jumbo 4.250 4.000 4.250 ------ 3.625 3.625 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.375 3.750 3.250 3.375 3.625 >$424K 4.250 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 3.875 3.250 3.625 3.125 3.000 3.125 APR 3.887 3.171 3.601 3.059 3.002 3.151 >$424K 4.125 3.875 4.250 ------ 3.500 3.625 APR 4.130 3.895 4.237 ------ 3.507 3.621 Jumbo 4.125 3.750 4.250 ------ 3.375 3.500 APR 4.105 3.744 4.231 ------ 3.386 3.498 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 3.950 3.500 3.625 3.875 APR 4.268 3.636 3.979 3.542 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