【房贷利率】12月16日星期二（利率持平） | 奇虎贷款

【房贷利率】12月16日星期二（利率持平）

🌟奇虎贷款利率

奇虎贷款-100436 01/16 9364

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16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4.000%，15年固定利率保持在3.500%，
5/1 ARM利率保持在4.125%。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利率下降至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 $453K, 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
<=$453K 4.000 3.375 3.875 3.375 4.250 4.375
>$453K 4.200 3.625 4.200 ------ 4.125 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 3.875 3.625 4.250 4.375
>$453K 4.625 4.375 4.625 ------ 4.125 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.910 3.330 3.785 3.367 3.555 3.680
>$453K 3.990 3.500 3.990 ------ 4.000 4.125
APR 4.039 3.583 4.058 ------ 4.028 4.153
Jumbo 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.033 3.934 4.527 ------ 3.783 3.773
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 4.000 4.125
APR 4.307 3.957 4.160 3.993 4.038 4.163
MARYLAND *
(Based on Conforming Loan $453K, 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
<=$453K 4.000 3.375 3.875 3.375 4.125 4.250
>$453K 4.250 4.250 4.625 ------ 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 3.875 3.625 4.125 4.250
>$453K 4.875 4.250 4.625 ------ 4.125 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.882 3.280 3.745 3.293 3.527 3.652
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.009 3.890 4.492 ------ 3.759 3.748
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 4.000 4.125
APR 4.278 3.905 4.120 3.919 4.009 4.134
VIRGINIA
(Based on Conforming Loan $453K, 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
<=$453K 4.000 3.500 3.875 3.500 4.375 4.375
>$453K 4.375 4.500 4.750 ------ 4.250 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.750 4.000 3.750 4.375 4.375
>$453K 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
<=$453K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.875 3.287 3.750 3.303 3.530 3.656
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.011 3.895 4.496 ------ 3.761 3.751
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 4.000 4.125
APR 4.271 3.912 4.125 3.929 4.013 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
<=$453K 4.125 3.625 3.875 3.625 ------ 5.125
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.125 4.250 ------ ------ 5.125
>$453K 5.000 4.500 4.750 ------ 4.375 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.625 3.250 3.500 3.625
APR 3.880 3.295 3.703 3.315 3.555 3.681
>$453K 4.750 4.125 4.500 ------ 4.000 4.125
APR 4.747 4.158 4.497 ------ 4.003 4.128
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.750 4.000 3.750 4.000 4.125
APR 4.276 3.851 4.079 3.896 4.059 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
<=$453K 4.250 3.750 4.000 3.750 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.875 4.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.000 4.125 4.000 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.875 4.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.889 3.311 3.769 3.338 3.554 3.679
>$453K 4.750 4.125 4.500 ------ 4.000 4.125
APR 4.748 4.158 4.497 ------ 4.003 4.128
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 4.000 4.125
APR 4.285 3.937 4.144 3.964 4.060 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
<=$453K 4.125 3.625 4.000 3.625 ------ 5.125
>$453K 4.375 4.500 4.875 ------ 4.375 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 ------ 5.125
>$453K 5.125 4.500 4.875 ------ 4.375 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.903 3.336 3.789 3.375 3.568 3.694
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.018 3.906 4.505 ------ 3.767 3.757
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 4.000 4.125
APR 4.300 3.963 4.165 4.001 4.074 4.200
WASHINGTON **
(Based on Conforming Loan $453K, 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
<=$453K 4.000 3.375 3.875 3.375 4.125 4.250
>$453K 4.250 4.250 4.625 ------ 4.125 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 3.875 3.625 4.125 4.250
>$453K 4.875 4.250 4.625 ------ 4.125 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.500 3.625
APR 3.897 3.279 3.751 3.292 3.526 3.651
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.008 3.890 4.492 ------ 3.758 3.748
Jumbo 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.003 3.881 4.484 ------ 3.753 3.743
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 4.000 4.125
APR 4.277 3.904 4.119 3.918 4.008 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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