【房贷利率】5月18日星期四(利率变好)
奇虎贷款-100436 05/18 4144
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(5月18日 星期四)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3.875%,15年固定利率保持在3.250%,
5/1 ARM利率保持在3.250%。购房贷款40万左右,30年固定利率下降至3.750%,15年固定
利率保持在3.000%,5/1 ARM利率保持在3.000%.
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 $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 | 3.875 | 3.250 | 3.500 | 3.125 | 3.250 | 3.500 |
>$424K | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.625 |
Jumbo | 4.000 | 3.750 | 4.375 | ------ | 3.375 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.625 | 3.250 | 3.500 | 3.750 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 3.750 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.375 | 3.000 | 3.000 | 3.250 |
APR | 3.787 | 3.080 | 3.444 | 3.037 | 3.053 | 3.290 |
>$424K | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.375 |
APR | 4.014 | 3.248 | 3.751 | 3.209 | 3.295 | 3.413 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.917 | 3.653 | 4.272 | ------ | 3.281 | 3.390 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.171 | 3.581 | 3.912 | 3.492 | 3.657 | 3.782 |
************ 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 | 3.875 | 3.250 | 3.500 | 3.125 | 3.250 | 3.500 |
>$424K | 4.000 | 3.875 | 4.375 | ------ | 3.375 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.625 | 3.250 | 3.500 | 3.625 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.375 | 3.000 | 3.000 | 3.250 |
APR | 3.757 | 3.030 | 3.402 | 2.965 | 3.022 | 3.266 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.893 | 3.646 | 4.237 | ------ | 3.258 | 3.366 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.147 | 3.530 | 3.870 | 3.419 | 3.628 | 3.753 |
*********** 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 | 3.875 | 3.250 | 3.625 | 3.250 | 3.375 | 3.625 |
>$424K | 4.625 | 4.000 | 4.500 | ------ | 3.500 | 3.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.375 | 3.750 | 3.250 | 3.625 | 3.750 |
>$424K | 4.750 | 4.000 | 4.500 | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.375 | 3.000 | 3.000 | 3.250 |
APR | 3.755 | 3.036 | 3.399 | 2.974 | 3.026 | 3.270 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.896 | 3.651 | 4.241 | ------ | 3.260 | 3.369 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.136 | 3.537 | 3.866 | 3.428 | 3.632 | 3.757 |
************ 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.750 |
>$424K | 4.750 | 4.125 | 4.500 | ------ | 3.500 | 3.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 4.000 | 4.000 |
>$424K | 4.750 | 4.125 | 4.500 | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.375 | 2.875 | 3.000 | 3.250 |
APR | 3.765 | 3.045 | 3.429 | 2.992 | 3.034 | 3.283 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.891 | 3.644 | 4.241 | ------ | 3.256 | 3.365 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.140 | 3.475 | 3.897 | 3.440 | 3.672 | 3.798 |
*********** 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 | 4.125 | 3.375 | 3.875 | 3.375 | 4.000 | 4.125 |
>$424K | 5.000 | 4.375 | 4.750 | ------ | 3.750 | 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 | 3.950 | 3.500 | 4.375 | 4.375 |
>$424K | 5.000 | 4.375 | 4.750 | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.774 | 3.060 | 3.503 | 3.015 | 3.052 | 3.293 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.896 | 3.652 | 4.241 | ------ | 3.261 | 3.369 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.149 | 3.561 | 3.921 | 3.463 | 3.673 | 3.798 |
********** 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 | 4.000 | 3.375 | 3.750 | 3.250 | 3.625 | 3.750 |
>$424K | 4.625 | 4.125 | 4.500 | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.875 | 4.000 |
>$424K | 4.750 | 4.125 | 4.500 | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.804 | 3.086 | 3.517 | 3.053 | 3.062 | 3.308 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.902 | 3.662 | 4.249 | ------ | 3.266 | 3.375 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.165 | 3.587 | 3.936 | 3.501 | 3.687 | 3.813 |
************ 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 | 3.875 | 3.250 | 3.500 | 3.125 | 3.250 | 3.375 |
>$424K | 4.000 | 3.875 | 4.375 | ------ | 3.375 | 3.500 |
Jumbo | 4.000 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.625 | 3.250 | 3.375 | 3.625 |
>$424K | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.750 | 3.000 | 3.375 | 3.000 | 3.000 | 3.250 |
APR | 3.750 | 3.029 | 3.393 | 2.963 | 3.019 | 3.266 |
>$424K | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.893 | 3.646 | 4.237 | ------ | 3.257 | 3.366 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.250 |
APR | 3.867 | 3.601 | 4.231 | ------ | 3.233 | 3.255 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.750 |
APR | 4.140 | 3.529 | 3.860 | 3.417 | 3.628 | 3.753 |
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