【房贷利率】3月1日星期四（利率变好） | Welcome

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【房贷利率】3月1日星期四（利率变好）

奇虎贷款利率

奇虎贷款-100436 03/01 6899

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（3月1日星期四)开盘时的房贷利率价格和上个工作日相比变好。目前
重新贷款40万左右的利率，30年固定利率下降至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年固定利率下降至4.250%，15年固定
利率保持在3.750%，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 4.375 3.875 4.250 3.875 ------ ------
>$453K 4.625 4.125 4.625 ------ ------ ------
Jumbo 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 ------ ------
>$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 4.000 4.125
APR 4.307 3.832 4.160 3.868 4.036 4.171
>$453K 4.375 4.000 4.375 ------ ------ ------
APR 4.424 4.047 4.443 ------ ------ ------
Jumbo 4.375 4.250 ------ ------ 4.125 4.125
APR 4.398 4.328 ------ ------ 4.158 4.158
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 4.500 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 4.625 4.125 4.375 4.125 ------ ------
>$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 4.375 3.750 4.125 3.750 4.000 4.125
APR 4.361 3.799 4.134 3.820 4.007 4.142
>$453K 4.375 4.250 ------ ------ 4.125 4.125
APR 4.373 4.284 ------ ------ 4.134 4.134
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.757 ------ 4.539 ------ ------ ------
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 4.375 4.000 ------ ------
>$453K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.500 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 4.000 4.125
APR 4.282 3.806 4.140 3.830 4.011 4.146
>$453K 4.375 4.250 ------ ------ 4.125 4.125
APR 4.376 4.289 ------ ------ 4.136 4.136
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 ------ 4.500 ------ ------ ------
APR 4.750 ------ 4.544 ------ ------ ------
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 4.125 4.375 4.125 ------ ------
>$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 4.000 4.125
APR 4.287 3.814 4.146 3.843 4.036 4.172
>$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 4.334 4.551 4.370 ------ ------
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 4.000 4.125
APR 4.285 3.811 4.144 3.839 4.035 4.170
>$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 4.672 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 4.750 ------ ------ ------ ------ ------
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 5.375 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 4.000 4.125
APR 4.300 3.837 4.165 3.876 4.049 4.185
>$453K 4.375 4.250 ------ ------ 4.125 4.125
APR 4.372 4.282 ------ ------ 4.143 4.143
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 4.687 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 4.500 ------ ------ ------ ------ ------
Jumbo 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 ------ ------
>$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 4.000 4.125
APR 4.277 3.779 4.119 3.792 4.006 4.142
>$453K 4.375 4.250 ------ ------ 4.125 4.125
APR 4.362 4.265 ------ ------ 4.133 4.133
Jumbo 4.375 4.250 ------ ------ 4.125 4.125
APR 4.357 4.256 ------ ------ 4.128 4.128
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
arli@tigerloans.com

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