【房贷利率】5月18日星期四(利率变好) | 奇虎贷款

【房贷利率】5月18日星期四(利率变好)

🌟奇虎贷款利率

奇虎贷款-100436 05/18 4156

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 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

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