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【房贷利率】12月18日星期四(利率变差)


奇虎贷款    01/18     3359    
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18日 星期四)开盘时的房贷利率价格和上个工作日相比变差。目前
重新贷款40万左右的利率,30年固定利率上升至4.125%,15年固定利率上升至3.625%,
5/1 ARM利率上升至4.250%。购房贷款40万左右,30年固定利率上升至4.000%,15年固定
利率保持在3.375%,5/1 ARM利率上升至4.000%.

: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 $453K, 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
<=$453K4.1253.6253.8753.6254.2504.375
>$453K4.2503.8754.250------4.1254.250
Jumbo4.3754.2504.625------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.0003.7504.2504.375
>$453K4.7004.3754.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.3753.8753.3754.0003.875
APR4.0253.4563.8813.4924.0383.931
>$453K4.1253.6254.125------4.0004.125
APR4.1563.7094.168------4.0284.153
Jumbo4.1254.0004.500------3.8753.750
APR4.1694.0784.527------3.8983.793
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.0004.0004.125
APR4.4334.1014.2854.1454.0384.163
*********** MARYLAND ************
(Based on Conforming Loan $453K, 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
<=$453K4.1253.6253.8753.6254.1254.250
>$453K4.3754.2504.625------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.0003.7504.1254.250
>$453K4.8754.2504.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.3753.8753.3754.0003.875
APR3.9963.4053.8413.4194.0093.902
>$453K4.1254.0004.500------3.8753.750
APR4.1444.0344.492------3.8733.769
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.0004.0004.125
APR4.4034.0494.2454.0714.0094.134
********** VIRGINIA ***********
(Based on Conforming Loan $453K, 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
<=$453K4.1253.6254.0003.6254.3754.375
>$453K5.0004.5004.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.3754.375
>$453K5.0004.5004.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.3753.8753.3754.0003.875
APR3.9903.4123.8473.4284.0133.906
>$453K4.1254.0004.500------3.8753.750
APR4.1474.0394.496------3.8763.771
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.0004.0004.125
APR4.3964.0564.2504.0814.0134.138
********** 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
<=$453K4.2503.7504.0003.750------5.125
>$453K5.0004.5004.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.3754.375------------5.125
>$453K5.0004.5004.750------4.3754.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.3753.7503.3754.0003.875
APR3.9323.4203.8143.4404.0593.932
>$453K4.7504.1254.500------4.0004.125
APR4.7474.1584.497------4.0034.128
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.1254.0004.0004.125
APR4.4014.0644.1904.0934.0594.184
********** 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
<=$453K4.3754.0004.1254.000------------
>$453K5.3754.7505.125------4.8754.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.2504.2504.250------------
>$453K5.3754.7505.125------4.8754.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.3753.7503.3754.0003.875
APR4.0043.4363.8263.4634.0603.930
>$453K4.7504.1254.500------4.0004.125
APR4.7484.1584.497------4.0034.128
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.1254.0004.0004.125
APR4.4104.0804.2024.1164.0604.185
*********** 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
<=$453K4.2503.8754.1253.875------5.125
>$453K5.1254.5004.875------4.3754.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.000------5.125
>$453K5.1254.5004.875------4.3754.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.3753.7503.3754.0003.875
APR4.0183.4613.8473.5004.0743.945
>$453K4.1254.0004.500------3.8753.750
APR4.1534.0504.505------3.8823.778
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.1254.0004.0004.125
APR4.4254.1064.2234.1544.0744.200
************ WASHINGTON ************
(Based on Conforming Loan $453K, 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
<=$453K4.1253.6253.8753.6254.1254.250
>$453K4.3754.2504.625------4.1254.250
Jumbo4.3754.2504.625------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.0003.7504.1254.250
>$453K4.8754.2504.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.3753.8753.3754.0003.875
APR3.9963.4043.8413.4174.0083.902
>$453K4.1254.0004.500------3.8753.750
APR4.1444.0334.492------3.8733.768
Jumbo4.1254.0004.500------3.8753.750
APR4.1394.0244.484------3.8683.763
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.0004.0004.125
APR4.4034.0484.2444.0694.0084.133

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