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【房贷利率】4月25日星期三(利率持平)


奇虎贷款    04/25     1896    
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(4月25日 星期三)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3.750%。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3.750%,5/1 ARM利率保持在3.625%.

: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
<=$453K4.3753.8754.2503.8753.7503.875
>$453K4.5004.0004.625------3.750------
Jumbo4.5004.625------------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.000------------
>$453K4.6254.125------------3.875------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.6253.750
APR4.2973.7954.1603.8153.6703.775
>$453K4.3753.8754.375------3.6254.375
APR4.4133.9224.446------3.6614.410
Jumbo4.3754.250------------4.0003.875
APR4.3984.328------------4.0233.918
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.250------------
APR4.7764.3334.5504.369------------
********** 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
<=$453K4.3753.8754.2503.8753.7503.875
>$453K4.6254.625------------4.3754.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.000------------
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.6253.750
APR4.2673.7444.1203.7413.6423.746
>$453K4.3754.250------------4.0003.875
APR4.3734.284------------3.9983.894
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.250------------
APR4.7464.2814.5104.294------------
************ 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
<=$453K4.5004.0004.2504.0003.8754.000
>$453K4.750------------------4.5004.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.125------------
>$453K5.2504.8755.000------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.6253.750
APR4.2613.7504.1253.7513.6463.750
>$453K4.3754.250------------4.0003.875
APR4.3764.289------------4.0013.896
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.250------------
APR4.7394.2884.5154.304------------
*********** 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
<=$453K4.5004.0004.3754.000------------
>$453K5.2504.8755.000------4.5004.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7505.2504.625------------5.375
>$453K5.2504.8755.000------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.0003.6253.6253.750
APR4.2663.7264.0793.7713.6713.775
>$453K5.0004.5004.750------4.2504.375
APR4.9974.5334.747------4.2534.378
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.5004.125------------
APR4.6734.2274.5224.272------------
*********** 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------------
>$453K5.6255.1255.375------5.1255.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.3754.6254.375------------
>$453K5.6255.1255.375------5.1255.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.6253.750
APR4.2753.7754.1443.7863.6693.774
>$453K5.0004.5004.750------4.2504.375
APR4.9984.5344.747------4.2534.378
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.250------------
APR4.6834.3124.5344.340------------
*********** 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
<=$453K4.5004.1254.3754.125------------
>$453K4.875------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.250------------
>$453K5.3754.8755.125------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.6253.750
APR4.2893.8004.1653.8233.6833.788
>$453K4.3754.250------------4.0003.875
APR4.3824.300------------4.0073.903
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.250------------
APR4.6984.3384.5554.377------------
************ 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
<=$453K4.3753.8754.2503.8753.7503.875
>$453K4.6254.625------------4.3754.250
Jumbo4.5004.625------------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.000------------
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.6253.750
APR4.2673.7434.1193.7393.6413.746
>$453K4.3754.250------------4.0003.875
APR4.3734.283------------3.9983.893
Jumbo4.3754.250------------4.0003.875
APR4.3684.275------------3.9933.889
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.250------------
APR4.7464.2804.5094.293------------

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

arli@tigerloans.com