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 Visa的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（1月19日 星期四)开盘时的房贷利率价格和上个工作日相比稍差。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3.250%，
5/1 ARM利率上升至3.500%。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3.250%，5/1 ARM利率上升至3.125%.

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 $380K, High-Balance Loan $550K, 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 <=$424K 4.125 3.250 4.000 3.250 3.500 3.625 >$424K 4.300 3.625 4.125 3.750 3.875 4.000 Jumbo 4.375 4.000 ------ ------ 3.625 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.375 4.125 3.375 3.750 3.875 >$424K 4.500 4.000 4.625 ------ 4.000 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.250 3.875 3.250 3.125 3.375 APR 4.036 3.258 3.890 3.261 3.159 3.426 >$424K 4.125 3.500 4.000 3.500 3.500 3.750 APR 4.169 3.565 4.062 3.584 3.541 3.791 Jumbo 4.250 3.750 ------ ------ 3.375 3.625 APR 4.278 3.805 ------ ------ 3.415 3.660 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.375 3.625 4.250 3.625 4.375 4.500 APR 4.411 3.706 4.271 3.743 4.424 4.543 ************* MARYLAND ************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 <=$424K 4.125 3.250 3.875 3.250 3.375 3.625 >$424K 4.375 4.125 ------ ------ 3.625 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.375 4.125 3.375 3.625 3.875 >$424K 4.500 4.250 ------ ------ 3.750 3.875 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.990 3.250 3.875 3.250 3.125 3.375 APR 4.019 3.208 3.850 3.188 3.131 3.388 >$424K 4.250 3.875 ------ ------ 3.375 3.625 APR 4.253 3.895 ------ ------ 3.391 3.635 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.375 3.625 4.250 3.625 4.375 4.375 APR 4.382 3.655 4.230 3.669 4.389 4.396 *************** VIRGINIA **************** (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 <=$424K 4.125 3.375 4.000 3.375 3.625 3.750 >$424K ------ ------ ------ ------ 3.875 4.000 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.500 4.125 3.500 3.875 4.000 >$424K ------ ------ ------ ------ 4.000 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.990 3.250 3.875 3.250 3.125 3.375 APR 4.023 3.214 3.855 3.198 3.135 3.392 >$424K 4.250 3.875 ------ ------ 3.375 3.625 APR 4.256 3.899 ------ ------ 3.394 3.638 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.375 3.625 4.250 3.625 4.375 4.375 APR 4.375 3.662 4.236 3.679 4.393 4.400 ************* 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 <=$424K 4.125 3.375 4.125 3.375 3.750 3.875 >$424K ------ ------ ------ ------ 3.875 4.000 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.500 3.875 4.250 3.750 ------ ------ >$424K ------ ------ ------ ------ 3.875 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.125 3.875 3.125 3.125 3.375 APR 4.005 3.224 3.889 3.269 3.159 3.412 >$424K 4.250 3.875 ------ ------ 3.375 3.625 APR 4.251 3.892 ------ ------ 3.390 3.634 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.125 3.625 4.250 4.375 APR 4.297 3.670 4.205 3.691 4.293 4.412 ************** FLORIDA *************** (Based on Conforming Loan $200K, High-Balance 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 <=$424K 4.250 3.625 4.125 3.625 ------ ------ >$424K 4.625 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.375 3.750 4.250 3.750 ------ ------ >$424K 4.625 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.250 3.875 3.250 3.125 3.375 APR 4.014 3.238 3.855 3.213 3.158 3.431 >$424K 4.250 3.875 ------ ------ 3.375 3.625 APR 4.256 3.900 ------ ------ 3.394 3.639 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.250 3.625 4.375 4.500 APR 4.306 3.686 4.255 3.714 4.422 4.548 ************ 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 <=$424K 4.250 3.500 4.125 3.500 3.875 4.000 >$424K ------ ------ ------ ------ 4.000 4.000 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.375 3.625 4.250 3.625 4.375 4.375 >$424K ------ ------ ------ ------ 4.000 4.125 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.250 3.875 3.250 3.125 3.375 APR 4.029 3.264 3.904 3.271 3.172 3.441 >$424K 4.250 3.875 ------ ------ 3.375 3.625 APR 4.262 3.911 ------ ------ 3.400 3.644 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.250 3.625 4.375 4.375 APR 4.322 3.713 4.276 3.752 4.432 4.443 ************** WASHINGTON ************** (Based on Conforming Loan $380K, High-Balance Loan $550K, 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 <=$424K 4.125 3.500 3.875 3.250 3.375 3.625 >$424K 4.375 4.125 ------ ------ 3.625 3.875 Jumbo 4.375 4.000 ------ ------ 3.500 3.750 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.625 4.125 3.500 3.625 3.875 >$424K 4.375 4.250 ------ ------ 3.750 3.875 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.990 3.250 3.875 3.250 3.250 3.375 APR 4.019 3.263 3.849 3.203 3.253 3.387 >$424K 4.250 3.875 ------ ------ 3.375 3.625 APR 4.252 3.894 ------ ------ 3.391 3.635 Jumbo 4.250 3.750 ------ ------ 3.375 3.625 APR 4.227 3.752 ------ ------ 3.366 3.610 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.450 3.750 4.250 3.875 4.250 4.375 APR 4.455 3.785 4.269 3.897 4.276 4.396

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: (949) 829-3863
Fax: (877) 442-7883

apply@tigerloans.com

Texas:

2775 Villa Creek Road, Ste 124

Dallas, TX 75234

Phone: (866) 269-9847

Fax: (877) 442-7883