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【房贷利率】7月14日星期五 (利率持平)


奇虎贷款    07/17     1023    
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
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(7月14日 星期五)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3.950%,15年固定利率保持在3.250%,
5/1 ARM利率保持在3.375%。购房贷款40万左右,30年固定利率保持在3.875%,15年固定
利率保持在3.000%,5/1 ARM利率保持在3.125%.

: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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1253.3753.500
>$424K4.1253.2504.0003.2503.6253.750
Jumbo4.1253.6254.375------3.5003.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.7503.875
>$424K4.2503.8754.250------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.0003.6253.0003.1253.250
APR3.8903.0983.6673.0643.1693.294
>$424K3.9503.2503.8753.2503.5003.500
APR3.9723.2503.8923.2263.5203.537
Jumbo4.0003.5004.250------3.3753.500
APR4.0053.5414.276------3.4003.512
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.0003.5003.6253.875
APR4.2763.5994.0643.5643.6623.912
************ MARYLAND *************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1253.3753.500
>$424K4.1253.7504.375------3.6253.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.6253.875
>$424K4.1253.8754.375------3.6253.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8002.9903.6253.0003.1253.250
APR3.8283.0393.6282.9913.1413.266
>$424K4.0003.5004.250------3.3753.500
APR4.0003.5354.242------3.3913.489
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2003.5004.0003.5003.6253.875
APR4.2303.5454.0243.4913.6343.884
************* VIRGINIA **************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9903.2503.7503.2503.6253.750
>$424K4.2503.8754.500------3.7503.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.9503.2503.8753.990
>$424K4.3754.1254.500------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8002.9903.6252.8753.1253.250
APR3.8323.0463.6192.9403.1453.270
>$424K4.0003.5004.250------3.3753.500
APR4.0033.5404.246------3.3933.491
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2003.5004.0003.5003.6253.875
APR4.2333.5524.0293.5013.6373.888
*********** TEXAS ************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.7504.000
>$424K4.2504.0004.500------3.7503.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.625------4.500
>$424K4.3754.1254.500------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.1253.250
APR3.7963.0633.6662.9923.1693.295
>$424K4.0003.5004.250------3.3753.500
APR3.9993.5364.247------3.3893.488
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3753.6253.875
APR4.1723.5644.0363.4933.6833.933
********** 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.375------4.250
>$424K4.3754.5004.875------4.0003.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.500------------
>$424K4.5004.5004.875------4.0004.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.1253.250
APR3.8053.0783.6823.0153.1683.293
>$424K4.0003.5004.250------3.3753.500
APR4.0043.5414.247------3.3943.492
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3753.6253.875
APR4.1813.5794.0483.5163.6833.934
*********** GEORGIA ***********
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.2503.8754.000
>$424K4.2503.8754.625------3.7503.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.0003.500------4.250
>$424K4.3754.2504.625------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.1253.250
APR3.8193.1043.7043.0523.1823.307
>$424K4.0003.5004.250------3.3753.500
APR4.0093.5514.255------3.3993.498
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3753.6253.875
APR4.1963.6054.0683.5533.6983.949
******** 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1253.3753.500
>$424K4.1253.7504.375------3.6253.625
Jumbo4.0003.6254.375------3.5003.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.6253.875
>$424K4.1253.8754.375------3.6253.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8002.9903.6252.8753.1253.250
APR3.8283.0393.6222.9293.1413.266
>$424K4.0003.5004.250------3.3753.500
APR4.0013.5344.242------3.3903.489
Jumbo4.0003.5004.250------3.3753.375
APR3.9753.4894.234------3.3653.375
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2003.5004.0003.5003.6253.875
APR4.2293.5444.0233.4893.6333.883

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