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【房贷利率】1月24日星期三（利率持平）

奇虎贷款利率奇虎贷款问答

奇虎贷款-100436 01/24 13372

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（1月24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3.625%，
5/1 ARM利率保持在4.250%。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3.375%，5/1 ARM利率保持在4.000%.
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 $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 4.125 3.625 4.000 3.625 4.250 4.375
>$453K 4.300 3.875 4.300 ------ 4.125 4.250
Jumbo 4.375 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 4.250 3.750 4.125 3.750 4.250 4.375
>$453K 4.750 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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.046 3.474 3.910 3.519 4.038 3.931
>$453K 4.125 3.750 4.125 ------ 4.000 4.125
APR 4.171 3.797 4.189 ------ 4.028 4.153
Jumbo 4.125 4.000 4.500 ------ 3.875 3.875
APR 4.169 4.078 4.527 ------ 3.898 3.898
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.125
APR 4.526 4.101 4.300 4.145 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 4.125 3.625 4.000 3.625 4.125 4.250
>$453K 4.375 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 4.250 3.750 4.125 3.750 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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.017 3.423 3.870 3.445 4.009 3.902
>$453K 4.125 4.000 4.500 ------ 3.875 3.875
APR 4.144 4.034 4.492 ------ 3.873 3.873
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.125
APR 4.496 4.049 4.259 4.071 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 4.250 3.750 4.000 3.750 4.375 4.375
>$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 3.875 4.125 3.875 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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.011 3.430 3.875 3.455 4.013 3.906
>$453K 4.125 4.000 4.500 ------ 3.875 3.875
APR 4.147 4.039 4.496 ------ 3.876 3.876
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.125
APR 4.490 4.056 4.265 4.081 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 4.250 3.750 4.125 3.750 ------ 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 4.625 4.375 4.375 ------ ------ 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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.015 3.438 3.882 3.467 4.059 3.932
>$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 4.375 4.000 4.250 4.000 4.000 4.125
APR 4.423 4.064 4.272 4.093 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 4.375 4.000 4.250 4.000 ------ ------
>$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 4.500 4.250 4.375 4.250 ------ ------
>$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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.024 3.454 3.894 3.490 4.060 3.930
>$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 4.375 4.000 4.250 4.000 4.000 4.125
APR 4.432 4.080 4.284 4.116 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 4.250 3.875 4.125 3.875 ------ 5.125
>$453K 5.125 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 4.500 4.000 4.250 4.000 ------ 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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.039 3.480 3.914 3.527 4.074 3.945
>$453K 4.125 4.000 4.500 ------ 3.875 3.875
APR 4.153 4.050 4.505 ------ 3.882 3.882
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.000 4.250 4.000 4.000 4.125
APR 4.447 4.106 4.304 4.154 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 4.125 3.625 4.000 3.625 4.125 4.250
>$453K 4.375 4.250 4.625 ------ 4.125 4.250
Jumbo 4.375 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 4.250 3.750 4.125 3.750 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 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.017 3.422 3.869 3.444 4.008 3.902
>$453K 4.125 4.000 4.500 ------ 3.875 3.875
APR 4.144 4.033 4.492 ------ 3.873 3.873
Jumbo 4.125 4.000 4.500 ------ 3.875 3.875
APR 4.139 4.024 4.484 ------ 3.868 3.868
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.125
APR 4.496 4.048 4.259 4.069 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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