【房贷利率】12月27日星期二（利率变好） | 奇虎贷款

【房贷利率】12月27日星期二（利率变好）

🌟奇虎贷款利率

奇虎贷款-100436 12/27 7553

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27日星期二)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年固定利率下降至3.875%，15年固定利率保持在3.375%，
5/1 ARM利率保持在4.125%。购房贷款40万左右，30年固定利率下降至3.875%，15年固定
利率保持在3.250%，5/1 ARM利率下降至3.375%.
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 3.875 3.375 3.750 3.375 4.125 4.375
>$424K 4.125 3.625 3.990 ------ 4.000 4.250
Jumbo 4.125 4.000 4.625 ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.500 3.875 3.500 4.125 4.375
>$424K 4.500 4.375 4.500 ------ 4.000 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 3.375 3.500
APR 3.879 3.294 3.674 3.268 3.429 3.555
>$424K 3.950 3.500 3.875 ------ 3.875 4.125
APR 3.971 3.547 3.927 ------ 3.903 4.153
Jumbo 4.000 3.750 4.500 ------ 3.625 3.750
APR 4.023 3.827 4.527 ------ 3.658 3.773
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 4.125
APR 4.276 3.850 4.049 3.895 3.912 4.163
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 3.875 3.375 3.750 3.375 4.000 4.250
>$424K 4.250 4.250 4.625 ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.500 3.875 3.500 4.000 4.250
>$424K 4.500 4.250 4.625 ------ 4.000 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 3.375 3.500
APR 3.851 3.244 3.634 3.195 3.402 3.527
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 3.998 3.784 4.492 ------ 3.633 3.748
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 4.125
APR 4.246 3.799 4.009 3.820 3.884 4.134
* 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 4.375
>$424K 4.250 4.500 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 4.250 4.375
>$424K 5.000 4.500 4.750 ------ 4.125 4.375
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 3.375 3.500
APR 3.781 3.250 3.639 3.204 3.405 3.530
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 4.001 3.788 4.496 ------ 3.636 3.751
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 4.125
APR 4.157 3.806 4.015 3.830 3.888 4.138
* 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 ------ 5.125
>$424K 4.500 4.500 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 4.125 4.125 4.375 ------ 5.125
>$424K 5.000 4.500 4.750 ------ 4.250 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.125 3.375 3.500
APR 3.786 3.224 3.646 3.216 3.430 3.555
>$424K 4.250 4.125 4.500 ------ 3.875 4.125
APR 4.254 4.158 4.497 ------ 3.878 4.128
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 4.125
APR 4.161 3.814 4.021 3.843 3.933 4.184
* 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 4.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.125 3.875 ------ ------
>$424K 5.375 4.750 5.125 ------ 4.750 4.750
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 3.375 3.500
APR 3.794 3.274 3.658 3.239 3.429 3.554
>$424K 4.250 4.125 4.500 ------ 3.875 4.125
APR 4.257 4.158 4.497 ------ 3.878 4.128
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 4.125
APR 4.170 3.830 4.034 3.865 3.934 4.185
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 4.000 3.625 3.875 3.625 ------ 5.125
>$424K 4.375 4.500 4.875 ------ 4.250 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 ------ 5.125
>$424K 5.125 4.500 4.875 ------ 4.250 4.375
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 3.375 3.500
APR 3.809 3.300 3.678 3.276 3.443 3.568
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 4.007 3.800 4.505 ------ 3.642 3.757
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 4.125
APR 4.185 3.856 4.054 3.903 3.949 4.200
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 3.875 3.375 3.750 3.375 4.000 4.250
>$424K 4.250 4.250 4.625 ------ 4.000 4.250
Jumbo 4.125 4.000 4.625 ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.500 3.875 3.500 4.000 4.250
>$424K 4.500 4.250 4.625 ------ 4.000 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 3.375 3.500
APR 3.850 3.243 3.634 3.193 3.401 3.526
>$424K 4.000 3.750 4.500 ------ 3.625 3.750
APR 3.998 3.783 4.492 ------ 3.633 3.748
Jumbo 4.000 3.750 4.500 ------ 3.625 3.750
APR 3.993 3.774 4.484 ------ 3.628 3.743
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 4.125
APR 4.246 3.798 4.009 3.819 3.883 4.133
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

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