【房贷利率】2月23日星期五(利率持平)
奇虎贷款-100436 02/26 7440
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23日 星期五)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4.375%,15年固定利率保持在3.875%,
5/1 ARM利率保持在4.375%。购房贷款40万左右,30年固定利率保持在4.250%,15年固定
利率保持在3.750%,5/1 ARM利率保持在3.875%.
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 | 4.250 | 3.875 | ------ | ------ |
>$453K | 4.625 | 4.125 | ------ | ------ | ------ | ------ |
Jumbo | 4.625 | ------ | ------ | ------ | ------ | ------ |
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 | ------ | ------ |
>$453K | 5.125 | 4.750 | 4.875 | ------ | 4.375 | 4.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.307 | 3.813 | 4.189 | 3.841 | 3.931 | 4.057 |
>$453K | 4.500 | 4.000 | ------ | ------ | ------ | ------ |
APR | 4.549 | 4.029 | ------ | ------ | ------ | ------ |
Jumbo | 4.375 | 4.250 | ------ | ------ | 4.000 | 4.000 |
APR | 4.409 | 4.310 | ------ | ------ | 4.044 | 4.044 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.776 | 4.351 | 4.565 | 4.396 | ------ | ------ |
*********** 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 | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$453K | 4.625 | ------ | ------ | ------ | ------ | ------ |
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 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.278 | 3.762 | 4.149 | 3.767 | 3.902 | 4.028 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 4.000 |
APR | 4.384 | 4.265 | ------ | ------ | 4.019 | 4.019 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.746 | 4.299 | 4.524 | 4.321 | ------ | ------ |
************ 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 | 4.500 | 4.000 | 4.250 | 4.000 | ------ | ------ |
>$453K | 4.875 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.271 | 3.769 | 4.154 | 3.777 | 3.906 | 4.031 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 4.000 |
APR | 4.387 | 4.270 | ------ | ------ | 4.022 | 4.022 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.739 | 4.306 | 4.530 | 4.331 | ------ | ------ |
*********** 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 | 4.375 | 4.000 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 5.250 | 4.625 | ------ | ------ | 5.375 |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.625 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.276 | 3.777 | 4.161 | 3.789 | 3.932 | 4.057 |
>$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
APR | 4.997 | 4.533 | 4.747 | ------ | 4.253 | 4.378 |
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 | ------ | ------ |
APR | 4.673 | 4.315 | 4.536 | 4.343 | ------ | ------ |
********* 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 | 4.250 | 4.500 | 4.250 | ------ | ------ |
>$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | ------ | 4.625 | ------ | ------ | ------ |
>$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.285 | 3.793 | 4.173 | 3.812 | 3.930 | 4.056 |
>$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
APR | 4.998 | 4.534 | 4.747 | ------ | 4.253 | 4.378 |
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 | ------ | ------ |
APR | 4.683 | 4.331 | 4.549 | 4.367 | ------ | ------ |
********** 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 | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
>$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.300 | 3.819 | 4.194 | 3.849 | 3.945 | 4.070 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 4.000 |
APR | 4.393 | 4.282 | ------ | ------ | 4.028 | 4.028 |
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 | ------ | ------ |
APR | 4.698 | 4.357 | 4.570 | 4.404 | ------ | ------ |
********** 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 | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$453K | 4.625 | ------ | ------ | ------ | ------ | ------ |
Jumbo | 4.625 | ------ | ------ | ------ | ------ | ------ |
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 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 3.875 | 4.000 |
APR | 4.277 | 3.761 | 4.148 | 3.766 | 3.902 | 4.027 |
>$453K | 4.375 | 4.250 | ------ | ------ | 4.000 | 4.000 |
APR | 4.383 | 4.265 | ------ | ------ | 4.019 | 4.019 |
Jumbo | 4.375 | 4.250 | ------ | ------ | 4.000 | 4.000 |
APR | 4.378 | 4.256 | ------ | ------ | 4.014 | 4.014 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$453K | 4.750 | 4.250 | 4.500 | 4.250 | ------ | ------ |
APR | 4.746 | 4.298 | 4.523 | 4.320 | ------ | ------ |
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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