【房贷利率】5月25日星期四(利率变好)
奇虎贷款-100436 05/25 4917
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25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3.875%,15年固定利率下降至3.125%,
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3.125%.
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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.625 |
Jumbo | 4.000 | 3.750 | 4.375 | ------ | 3.500 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.875 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 3.625 | 3.750 |
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 | 3.125 | 3.250 |
APR | 3.795 | 3.062 | 3.541 | 3.017 | 3.159 | 3.304 |
>$424K | 4.000 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 4.014 | 3.258 | 3.787 | 3.206 | 3.411 | 3.528 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.908 | 3.678 | 4.272 | ------ | 3.387 | 3.416 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.171 | 3.563 | 3.991 | 3.466 | 3.657 | 3.907 |
******************************* 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 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.875 | 4.375 | ------ | 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 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.500 | 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 | 3.125 | 3.250 |
APR | 3.767 | 3.012 | 3.499 | 2.944 | 3.131 | 3.276 |
>$424K | 3.875 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.883 | 3.742 | 4.237 | ------ | 3.363 | 3.392 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.142 | 3.512 | 3.948 | 3.392 | 3.628 | 3.878 |
******************************* 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 | 3.125 | 3.375 | 3.750 |
>$424K | 4.625 | 4.000 | 4.500 | ------ | 3.625 | 3.750 |
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 | 3.750 | 4.000 |
>$424K | 4.750 | 4.000 | 4.500 | ------ | 3.625 | 3.750 |
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 | 3.125 | 3.250 |
APR | 3.760 | 3.018 | 3.496 | 2.954 | 3.135 | 3.276 |
>$424K | 3.875 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.886 | 3.747 | 4.241 | ------ | 3.366 | 3.395 |
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 | 3.875 |
APR | 4.136 | 3.519 | 3.912 | 3.402 | 3.632 | 3.882 |
******************************* 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 | 3.625 | 3.875 |
>$424K | 4.750 | 4.125 | 4.500 | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 3.875 | 3.625 | 4.250 | 4.250 |
>$424K | 4.750 | 4.125 | 4.500 | ------ | 3.625 | 3.750 |
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 | 3.125 | 3.250 |
APR | 3.765 | 3.027 | 3.524 | 2.966 | 3.145 | 3.305 |
>$424K | 3.875 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.882 | 3.739 | 4.241 | ------ | 3.362 | 3.390 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 |
APR | 4.140 | 3.457 | 3.954 | 3.395 | 3.672 | 3.923 |
******************************* 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 | 3.250 | 4.250 | 4.250 |
>$424K | 5.000 | 4.375 | 4.750 | ------ | 3.875 | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.000 | 3.500 | ------ | ------ |
>$424K | 5.000 | 4.375 | 4.750 | ------ | 3.875 | 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 | 3.125 | 3.250 |
APR | 3.774 | 3.042 | 3.550 | 2.989 | 3.158 | 3.303 |
>$424K | 3.875 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.886 | 3.747 | 4.241 | ------ | 3.366 | 3.395 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.149 | 3.472 | 4.000 | 3.437 | 3.673 | 3.924 |
******************************* 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 | 3.250 | 3.875 | 3.250 | 3.750 | 3.875 |
>$424K | 4.625 | 4.125 | 4.500 | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 4.125 | 4.250 |
>$424K | 4.750 | 4.125 | 4.500 | ------ | 3.625 | 3.750 |
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 | 3.125 | 3.250 |
APR | 3.789 | 3.068 | 3.564 | 3.027 | 3.172 | 3.318 |
>$424K | 3.875 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.892 | 3.758 | 4.249 | ------ | 3.372 | 3.401 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.165 | 3.499 | 4.014 | 3.475 | 3.687 | 3.938 |
******************************* 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 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.875 | 4.375 | ------ | 3.500 | 3.625 |
Jumbo | 4.000 | 3.750 | 4.250 | ------ | 3.375 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT 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 | 4.000 | 3.875 | 4.375 | ------ | 3.500 | 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 | 3.766 | 3.011 | 3.490 | 2.943 | 3.024 | 3.276 |
>$424K | 3.875 | 3.750 | 4.250 | ------ | 3.375 | 3.375 |
APR | 3.883 | 3.741 | 4.237 | ------ | 3.363 | 3.392 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.858 | 3.625 | 4.231 | ------ | 3.250 | 3.367 |
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 | 3.875 |
APR | 4.142 | 3.511 | 3.906 | 3.391 | 3.628 | 3.878 |
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