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【房贷利率】11月14日星期二(利率持平)


奇虎贷款    11/14     182    
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, F1/OPT
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(11月14日 星期二)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3.125%。购房贷款40万左右,30年固定利率保持在3.750%,15年固定
利率保持在3.125%,5/1 ARM利率保持在3.000%.

: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 $424K, High-Balance Loan $636K, 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
<=$424K3.8753.2503.7503.2503.1253.375
>$424K4.0003.3753.990------3.7503.990
Jumbo4.1253.7504.375------3.7504.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.8753.3753.8754.125
>$424K4.5004.1254.375------3.7504.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.8063.2053.6673.1893.0343.179
>$424K3.9503.2503.875------3.3753.750
APR3.9923.3193.899------3.4213.775
Jumbo3.8753.6254.250------3.5003.625
APR3.8873.6474.276------3.5323.668
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.0003.6253.6253.875
APR4.2653.7254.0493.7693.6623.912
************ MARYLAND **************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.1253.375
>$424K4.1253.7504.375------3.7504.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.7503.3753.7504.000
>$424K4.2504.0004.375------3.7504.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7723.1553.6053.0963.0063.151
>$424K3.8753.6254.250------3.5003.625
APR3.8633.6044.242------3.5083.644
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.0003.6253.6253.875
APR4.2363.6744.0083.6953.6343.884
************* VIRGINIA **************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.3753.7503.2503.3753.625
>$424K4.2503.8754.500------3.8754.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5004.0004.125
>$424K4.3754.2504.500------3.8754.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7713.1613.6103.1063.0103.155
>$424K3.8753.6254.250------3.5003.625
APR3.8663.6084.246------3.5113.646
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1573.6804.0133.7053.6373.888
************ 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
<=$424K4.0003.3753.8753.375------4.500
>$424K4.3754.2504.500------3.8754.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.7504.0003.875------4.875
>$424K4.3754.2504.500------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.0003.0003.125
APR3.7753.1703.6493.1183.0343.179
>$424K4.1253.8754.250------3.6253.875
APR4.1303.9074.247------3.6283.878
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1613.6894.0213.7173.6833.933
********** FLORIDA ***********
(Based on Conforming Loan $200K, Jumbo 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
<=$424K4.1253.6254.0003.625------------
>$424K4.5004.5004.875------4.5004.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.7504.1253.750------------
>$424K5.1254.5004.875------4.5004.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.0003.0003.125
APR3.7843.1853.6453.1403.0333.178
>$424K4.1253.8754.250------3.6253.875
APR4.1333.9084.247------3.6283.878
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1703.7054.0343.7403.6833.934
*********** 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
<=$424K4.0003.5003.8753.500------4.875
>$424K4.2503.8754.625------4.0004.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.625------4.875
>$424K4.5004.2504.625------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.0003.0003.125
APR3.7993.2113.6653.1773.0473.192
>$424K3.8753.6254.250------3.5003.625
APR3.8723.6194.255------3.5173.652
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1853.7304.0543.7783.6983.949
*********** WASHINGTON ***********
(Based on Conforming Loan $424K, High-Balance Loan $636K, 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
<=$424K3.8753.2503.6253.2503.1253.375
>$424K4.1253.7504.375------3.7504.000
Jumbo4.1253.7504.375------3.7504.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.3753.7503.3753.7504.000
>$424K4.2504.0004.375------3.7504.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.5003.1253.0003.125
APR3.7753.1543.5383.0843.0063.151
>$424K3.8753.6254.250------3.5003.625
APR3.8633.6034.242------3.5083.643
Jumbo3.8753.6254.250------3.5003.625
APR3.8583.5944.234------3.5033.638
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.0003.6253.6253.875
APR4.2513.6734.0023.6943.6333.883

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: (310) 667-6263
Fax: (877) 442-7883

apply@tigerloans.com