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【房贷利率】12月11日星期一(利率持平)


奇虎贷款    12/11     1465    
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(12月11日 星期一)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
利率上升至3.250%,5/1 ARM利率上升至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
>$424K4.1253.5003.875------------4.500
Jumbo4.1254.000------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.500------------
>$424K4.4504.3754.450------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.2503.6253.1253.0003.125
APR3.8063.2583.6883.2423.0343.179
>$424K3.9503.3753.750------3.3753.875
APR3.9753.4583.811------3.4213.920
Jumbo3.8753.750------------3.5003.625
APR3.9183.827------------3.5323.668
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
APR4.1823.8324.0353.868------------
*********** 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
>$424K4.1254.000------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.5004.2504.125
>$424K4.375------------------4.375------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.2503.6253.1253.0003.125
APR3.7773.2083.6483.1683.0063.151
>$424K3.8753.750------------3.5003.625
APR3.8943.784------------3.5083.644
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
APR4.1533.7803.9953.794------------
*********** 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
<=$424K3.8753.3753.7503.3753.3753.625
>$424K4.250------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.6253.8753.625------------
>$424K4.375------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.2503.6253.1253.0003.125
APR3.7713.2143.6543.1783.0103.155
>$424K3.8753.750------------3.5003.625
APR3.8963.788------------3.5113.646
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
APR4.1463.7874.0003.804------------
********** 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
<=$424K4.0003.5003.8753.500------------
>$424K4.375------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0004.250------------
>$424K4.375------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7753.2063.6603.1903.0343.179
>$424K4.125------------------4.1254.250
APR4.128------------------4.1314.265
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6253.8753.625------------
APR4.1513.7263.9543.771------------
********** 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
<=$424K4.1253.6253.8753.625------------
>$424K4.500------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.875------------
>$424K5.2504.6255.000------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7843.2223.6723.2133.0333.178
>$424K4.125------------------4.1254.250
APR4.131------------------4.1334.268
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
APR4.1603.8114.0193.839------------
*********** 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------------
>$424K4.375------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
>$424K4.500------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7993.2473.6923.2503.0473.192
>$424K3.8753.750------------3.5003.625
APR3.9033.800------------3.5173.652
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
APR4.1753.8374.0393.876------------
********** 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
<=$424K3.8753.2503.7503.2503.1253.375
>$424K4.1254.000------------3.8754.000
Jumbo4.1254.000------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.500------4.500
>$424K4.250------------------4.375------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.2503.6253.1253.0003.125
APR3.7773.2073.6473.1673.0063.151
>$424K3.8753.750------------3.5003.625
APR3.8933.783------------3.5083.643
Jumbo3.8753.750------------3.5003.625
APR3.8893.774------------3.5033.638
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------------
APR4.1523.7793.9943.792------------

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