【房贷利率】1月30日星期二（利率变差） | Welcome

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【房贷利率】1月30日星期二（利率变差）

奇虎贷款利率

奇虎贷款-100436 01/30 9425

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30日星期二)开盘时的房贷利率价格和上个工作日相比变差。目前
重新贷款40万左右的利率，30年固定利率上升至4.250%，15年固定利率上升至3.750%，
5/1 ARM利率保持在4.000%。购房贷款40万左右，30年固定利率上升至4.125%，15年固定
利率上升至3.500%，5/1 ARM利率保持在3.625%.
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 4.250 3.750 4.000 3.750 4.000 4.125
>$453K 4.450 4.000 4.450 ------ 4.250 4.375
Jumbo 4.375 4.375 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
<=$453K 4.375 3.875 4.125 3.875 4.375 4.500
>$453K 4.875 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 4.125 3.500 4.000 3.500 3.625 3.750
APR 4.161 3.599 4.006 3.644 3.680 3.806
>$453K 4.250 3.875 4.250 ------ 4.125 4.250
APR 4.279 3.904 4.290 ------ 4.153 4.279
Jumbo 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.263 4.166 4.652 ------ 3.908 3.908
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.250
APR 4.640 4.207 4.425 4.244 4.163 4.288
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 4.250 3.750 4.000 3.750 4.000 4.125
>$453K 4.500 4.375 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
<=$453K 4.375 3.875 4.125 3.875 4.250 4.375
>$453K 5.000 4.375 4.750 ------ 4.250 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.500 4.000 3.500 3.625 3.750
APR 4.132 3.548 3.966 3.570 3.652 3.777
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.238 4.122 4.617 ------ 3.884 3.884
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.250
APR 4.611 4.156 4.385 4.169 4.134 4.259
* 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 3.875 4.125 3.875 4.500 4.250
>$453K 4.750 4.625 4.875 ------ 4.375 4.500
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 4.500 4.500
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.500 4.000 3.500 3.625 3.750
APR 4.125 3.555 3.972 3.580 3.656 3.781
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.240 4.127 4.621 ------ 3.886 3.886
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 4.125 4.250
APR 4.532 4.162 4.390 4.179 4.138 4.263
* 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 4.375 3.875 4.125 3.875 ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 5.000 4.500 ------ ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.500 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.500 3.875 3.500 3.625 3.750
APR 4.057 3.564 3.939 3.592 3.681 3.806
>$453K 4.875 4.250 4.625 ------ 4.125 4.250
APR 4.872 4.283 4.622 ------ 4.128 4.253
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 4.125 4.250
APR 4.537 4.102 4.330 4.147 4.184 4.310
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 4.500 4.000 4.250 4.000 ------ ------
>$453K 5.500 4.875 5.250 ------ 5.000 4.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.500 4.250 ------ ------
>$453K 5.500 4.875 5.250 ------ 5.000 4.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.500 3.875 3.500 3.625 3.750
APR 4.139 3.579 3.952 3.615 3.679 3.805
>$453K 4.875 4.250 4.625 ------ 4.125 4.250
APR 4.873 4.283 4.622 ------ 4.128 4.253
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 4.125 4.250
APR 4.546 4.187 4.409 4.214 4.185 4.311
* 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 4.375 4.000 4.250 4.000 ------ 5.250
>$453K 4.750 4.625 5.000 ------ 4.500 4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 ------ 5.250
>$453K 5.250 4.625 5.000 ------ 4.500 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.500 3.875 3.500 3.625 3.750
APR 4.154 3.605 3.972 3.652 3.694 3.819
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.247 4.138 4.630 ------ 3.892 3.892
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 4.125 4.250
APR 4.562 4.213 4.430 4.252 4.200 4.325
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 4.250 3.750 4.000 3.750 4.000 4.125
>$453K 4.500 4.375 4.750 ------ 4.250 4.250
Jumbo 4.375 4.375 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
<=$453K 4.375 3.875 4.125 3.875 4.250 4.375
>$453K 5.000 4.375 4.750 ------ 4.250 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.500 4.000 3.500 3.625 3.750
APR 4.140 3.547 3.966 3.569 3.651 3.777
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.237 4.121 4.617 ------ 3.883 3.883
Jumbo 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.232 4.112 4.609 ------ 3.878 3.878
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.250
APR 4.610 4.155 4.384 4.168 4.133 4.258
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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