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【房贷利率】2月6日星期二(利率持平)


奇虎贷款    02/06     317    
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(2月6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4.250%,15年固定利率保持在3.750%,
5/1 ARM利率保持在4.000%。购房贷款40万左右,30年固定利率保持在4.250%,15年固定
利率保持在3.625%,5/1 ARM利率保持在3.750%.

: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
<=$453K4.2503.7504.1253.7504.0004.250
>$453K4.5004.0004.750------4.2504.500
Jumbo4.5004.5004.750------4.2504.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.3754.625
>$453K5.0004.6254.750------4.2504.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.0003.6253.7503.875
APR4.2553.6884.0493.7163.8063.931
>$453K4.5003.8754.625------4.1254.375
APR4.5063.9414.658------4.1534.404
Jumbo4.2504.2504.625------4.0004.000
APR4.2844.2914.652------4.0334.033
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.375
APR4.6624.2264.4554.2714.1634.414
************ 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
<=$453K4.2503.7504.1253.7504.0004.250
>$453K4.5004.5004.750------4.2504.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.0004.2504.500
>$453K5.0004.5004.750------4.2504.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.0003.6253.7503.875
APR4.2253.6374.0093.6423.7773.902
>$453K4.2504.2504.625------4.0004.000
APR4.2594.2474.617------4.0094.009
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.375
APR4.6324.1744.4144.1964.1344.384
************ 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
<=$453K4.3753.8754.2503.8754.5004.625
>$453K4.7504.7504.875------4.3754.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.5004.625
>$453K5.1254.7504.875------4.3754.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6254.0003.6253.7503.875
APR4.1553.6444.0153.6523.7813.906
>$453K4.2504.2504.625------4.0004.000
APR4.2614.2524.621------4.0114.011
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.375
APR4.6254.1814.4194.2064.1384.388
********** 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
<=$453K4.3754.0004.2504.000------5.375
>$453K5.1254.7504.875------4.3754.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.3754.500------------5.375
>$453K5.1254.7504.875------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5004.0003.5003.7503.875
APR4.1613.6004.0213.6453.8063.932
>$453K4.8754.3754.625------4.1254.375
APR4.8724.4084.622------4.1284.378
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.375
APR4.5594.1904.4264.2184.1844.435
************* 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
<=$453K4.5004.1254.3754.125------------
>$453K5.5005.0005.250------5.0005.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.625------4.500------------------
>$453K5.5005.0005.250------5.0005.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6254.0003.6253.7503.875
APR4.1703.6684.0343.6873.8053.930
>$453K4.8754.3754.625------4.1254.375
APR4.8734.4094.622------4.1284.378
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.375
APR4.6394.2064.4394.2414.1854.436
*********** 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
<=$453K4.5004.0004.2504.000------5.375
>$453K4.7504.7505.000------4.5004.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.125------5.375
>$453K5.2504.7505.000------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6254.0003.6253.7503.875
APR4.1853.6944.0543.7243.8193.945
>$453K4.2504.2504.625------4.0004.000
APR4.2684.2634.630------4.0184.018
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.375
APR4.6544.2324.4594.2794.2004.451
*********** 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
<=$453K4.2503.7504.1253.7504.0004.250
>$453K4.5004.5004.750------4.2504.500
Jumbo4.5004.5004.750------4.2504.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.2504.0004.2504.500
>$453K5.0004.5004.750------4.2504.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6254.0003.6253.7503.875
APR4.1513.6364.0253.6413.7773.902
>$453K4.2504.2504.625------4.0004.000
APR4.2584.2464.617------4.0084.008
Jumbo4.2504.2504.625------4.0004.000
APR4.2534.2374.609------4.0034.003
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.125------
APR4.6344.1734.4134.1954.133------

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