【房贷利率】12月26日星期一（圣诞快乐！） | 奇虎贷款

【房贷利率】12月26日星期一（圣诞快乐！）

🌟奇虎贷款利率

奇虎贷款-100436 12/26 8124

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（12月26日星期一)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3.375%，
5/1 ARM利率上升至4.125%。购房贷款40万左右，30年固定利率上升至3.950%，15年固定
利率保持在3.250%，5/1 ARM利率上升至3.500%.
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 $424K, 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
<=$424K 4.000 3.375 3.750 3.375 4.125 4.250
>$424K 4.125 3.625 4.125 ------ 4.000 4.125
Jumbo 4.125 4.000 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 4.125 4.250
>$424K 4.700 4.375 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.900 3.312 3.756 3.340 3.555 3.680
>$424K 3.950 3.500 3.950 ------ 3.875 4.000
APR 3.998 3.547 4.017 ------ 3.903 4.028
Jumbo 4.000 3.750 4.500 ------ 3.625 3.750
APR 4.023 3.827 4.527 ------ 3.658 3.783
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.875 4.000
APR 4.297 3.920 4.078 3.940 3.912 4.038
* MARYLAND
(Based on Conforming Loan $424K, 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
<=$424K 4.000 3.375 3.750 3.375 4.000 4.125
>$424K 4.250 4.250 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 4.000 4.125
>$424K 4.500 4.250 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.871 3.262 3.717 3.267 3.527 3.652
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 3.998 3.784 4.492 ------ 3.633 3.759
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.875 4.000
APR 4.267 3.869 4.038 3.866 3.884 4.009
VIRGINIA **
(Based on Conforming Loan $424K, 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
<=$424K 4.000 3.500 3.875 3.500 4.250 4.250
>$424K 4.250 4.500 4.750 ------ 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 4.000 3.625 4.250 4.250
>$424K 5.000 4.500 4.750 ------ 4.125 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.865 3.268 3.722 3.277 3.530 3.656
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 4.001 3.788 4.496 ------ 3.636 3.761
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.625 3.875 4.000
APR 4.261 3.875 4.044 3.668 3.888 4.013
* 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 4.000 3.500 3.875 3.500 ------ 5.000
>$424K 4.500 4.500 4.750 ------ 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 4.125 4.250 ------ ------ 5.000
>$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 3.750 3.250 3.625 3.125 3.500 3.625
APR 3.806 3.277 3.689 3.243 3.555 3.681
>$424K 4.250 4.125 4.500 ------ 3.875 4.000
APR 4.257 4.158 4.497 ------ 3.878 4.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 3.875 4.000
APR 4.182 3.832 4.050 3.869 3.933 4.059
* 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
<=$424K 4.125 3.750 4.000 3.750 ------ ------
>$424K 5.375 4.750 5.125 ------ 4.750 4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.875 4.125 3.875 ------ ------
>$424K 5.375 4.750 5.125 ------ 4.750 4.625
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 3.500 3.625
APR 3.878 3.292 3.701 3.266 3.554 3.679
>$424K 4.250 4.125 4.500 ------ 3.875 4.000
APR 4.259 4.158 4.497 ------ 3.878 4.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.750 3.875 4.000
APR 4.275 3.848 4.063 3.892 3.934 4.060
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 3.625 4.000 3.625 ------ 5.000
>$424K 4.375 4.500 4.875 ------ 4.250 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 ------ 5.000
>$424K 5.125 4.500 4.875 ------ 4.250 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.125 3.500 3.625
APR 3.893 3.318 3.721 3.303 3.568 3.694
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 4.007 3.800 4.505 ------ 3.642 3.767
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.750 3.875 4.000
APR 4.289 3.874 4.083 3.930 3.949 4.074
* WASHINGTON ****
(Based on Conforming Loan $424K, 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
<=$424K 4.000 3.375 3.750 3.375 4.000 4.125
>$424K 4.250 4.250 4.625 ------ 4.000 4.125
Jumbo 4.125 4.000 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 4.000 4.125
>$424K 4.500 4.250 4.625 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.871 3.261 3.716 3.266 3.526 3.651
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 3.998 3.783 4.492 ------ 3.633 3.758
Jumbo 4.000 3.750 4.500 ------ 3.625 3.750
APR 3.993 3.774 4.484 ------ 3.628 3.753
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.875 4.000
APR 4.267 3.868 4.037 3.864 3.883 4.008
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
apply@tigerloans.com

获取作者更多文章