【房贷利率】2月7日星期三（利率变差） | 奇虎贷款

【房贷利率】2月7日星期三（利率变差）

🌟奇虎贷款利率

奇虎贷款-100436 02/07 11148

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（2月7日星期三)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4.375%，15年固定利率上升至3.875%，
5/1 ARM利率上升至4.250%。购房贷款40万左右，30年固定利率上升至4.250%，15年固定
利率保持在3.625%，5/1 ARM利率保持在3.750%.
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 4.375 3.875 4.125 3.875 4.000 4.250
>$453K 4.550 4.000 4.550 ------ 4.125 4.375
Jumbo 4.500 4.375 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
<=$453K 4.500 4.000 4.250 4.000 4.250 4.500
>$453K 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
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.262 3.706 4.078 3.743 3.806 3.931
>$453K 4.375 3.875 4.375 ------ 4.000 4.250
APR 4.415 3.941 4.430 ------ 4.028 4.279
Jumbo 4.375 4.250 4.625 ------ 4.000 4.000
APR 4.377 4.291 4.652 ------ 4.024 4.033
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.500 4.250 4.000 4.250
APR 4.679 4.314 4.544 4.342 4.038 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 3.875 4.125 3.875 4.000 4.250
>$453K 4.500 4.375 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
<=$453K 4.500 4.000 4.250 4.000 4.125 4.375
>$453K 5.000 4.375 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.231 3.655 4.038 3.669 3.777 3.902
>$453K 4.375 4.250 4.625 ------ 4.000 4.000
APR 4.352 4.247 4.617 ------ 4.000 4.009
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.500 4.250 4.000 4.250
APR 4.647 4.262 4.501 4.267 4.009 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 4.375 3.875 4.250 3.875 4.375 4.500
>$453K 4.875 4.625 4.875 ------ 4.250 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 4.375 4.000 4.375 4.500
>$453K 5.125 4.625 4.875 ------ 4.250 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.228 3.662 4.039 3.679 3.781 3.906
>$453K 4.375 4.250 4.625 ------ 4.000 4.000
APR 4.355 4.252 4.621 ------ 4.002 4.011
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.500 4.250 4.000 4.250
APR 4.645 4.269 4.497 4.277 4.013 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 4.500 4.000 4.250 4.000 ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.250 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 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 4.000 3.625 3.750 3.875
APR 4.182 3.670 4.050 3.691 3.806 3.932
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
APR 4.872 4.283 4.622 ------ 4.003 4.253
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 4.000 4.250
APR 4.652 4.208 4.441 4.245 4.059 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 4.625 4.125 4.375 4.125 ------ ------
>$453K 5.500 4.875 5.250 ------ 4.875 4.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
>$453K 5.500 4.875 5.250 ------ 4.875 4.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.254 3.686 4.063 3.714 3.805 3.930
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
APR 4.873 4.283 4.622 ------ 4.003 4.253
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 4.000 4.250
APR 4.661 4.224 4.453 4.268 4.060 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 4.500 4.000 4.375 4.000 ------ 5.250
>$453K 4.875 4.625 5.000 ------ 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 4.250 4.375 4.250 ------ 5.250
>$453K 5.250 4.625 5.000 ------ 4.375 4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.284 3.712 4.083 3.751 3.819 3.945
>$453K 4.375 4.250 4.625 ------ 4.000 4.000
APR 4.361 4.263 4.630 ------ 4.009 4.018
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 4.000 4.250
APR 4.702 4.251 4.474 4.306 4.074 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 3.875 4.125 3.875 4.000 4.250
>$453K 4.500 4.375 4.750 ------ 4.125 4.375
Jumbo 4.500 4.375 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
<=$453K 4.375 4.000 4.250 4.000 4.125 4.375
>$453K 5.000 4.375 4.750 ------ 4.125 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.224 3.654 4.033 3.667 3.777 3.902
>$453K 4.375 4.250 4.625 ------ 4.000 4.000
APR 4.352 4.246 4.617 ------ 3.999 4.008
Jumbo 4.375 4.250 4.625 ------ 4.000 4.000
APR 4.347 4.237 4.609 ------ 3.994 4.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.250 4.500 4.250 4.000 4.250
APR 4.640 4.293 4.491 4.266 4.008 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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