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【房贷利率】2月8日星期四(利率持平)


奇虎贷款    02/08     1319    
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8日 星期四)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4.375%,15年固定利率保持在3.875%,
5/1 ARM利率保持在4.375%。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3.875%.

: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
<=$453K4.3753.8754.2503.8754.3754.250
>$453K4.5504.0004.550------4.2504.375
Jumbo4.5004.3754.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.3754.500
>$453K5.0004.5004.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2863.7254.1603.7693.9214.046
>$453K4.3753.8754.375------4.1254.250
APR4.4043.9594.415------4.1534.279
Jumbo4.2504.1254.625------4.0004.000
APR4.2844.2034.652------4.0334.033
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.250
APR4.7764.3334.5504.3694.1634.288
*********** 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
<=$453K4.3753.8754.2503.8754.2504.250
>$453K4.5004.3754.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.2504.375
>$453K5.0004.3754.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2573.6744.1203.6953.8924.017
>$453K4.2504.1254.625------4.0004.000
APR4.2594.1594.617------4.0094.009
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.250
APR4.7464.2814.5104.2944.1344.259
*********** 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
<=$453K4.5003.8754.2503.8754.5004.500
>$453K4.6254.6254.875------4.3754.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.5004.500
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2503.6804.1253.7053.8964.021
>$453K4.2504.1254.625------4.0004.000
APR4.2614.1644.621------4.0114.011
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.2504.1254.250
APR4.6584.2884.5154.3044.1384.263
********** 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
<=$453K4.5004.0004.2504.0005.1255.250
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7505.0004.625------------5.250
>$453K5.1254.6254.875------4.5004.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2553.6894.1323.7173.9214.047
>$453K4.8754.2504.625------4.1254.250
APR4.8724.2834.622------4.1284.253
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.5004.1254.1254.250
APR4.6624.2274.5224.2724.1844.310
********** 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
<=$453K4.6254.1254.5004.125------------
>$453K5.5004.8755.250------5.0004.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.750------4.625------------------
>$453K5.5004.8755.250------5.0004.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2643.7054.1443.7403.9204.045
>$453K4.8754.2504.625------4.1254.250
APR4.8734.2834.622------4.1284.253
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.2504.1254.250
APR4.6724.3124.5344.3404.1854.311
********** 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
<=$453K4.5004.0004.3754.000------5.250
>$453K4.7504.6255.000------4.5004.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.250------5.250
>$453K5.2504.6255.000------4.5004.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2793.7304.1653.7783.9344.060
>$453K4.2504.1254.625------4.0004.000
APR4.2684.1754.630------4.0184.018
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.2504.1254.250
APR4.6874.3384.5554.3774.2004.325
*********** 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
<=$453K4.3753.8754.2503.8754.2504.250
>$453K4.5004.3754.750------4.2504.375
Jumbo4.5004.3754.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.2504.375
>$453K5.0004.3754.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2653.6734.1193.6943.8914.017
>$453K4.2504.1254.625------4.0004.000
APR4.2584.1584.617------4.0084.008
Jumbo4.2504.1254.625------4.0004.000
APR4.2534.1494.609------4.0034.003
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.250
APR4.7594.2934.5094.2934.1334.258

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