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【房贷利率】12月5日星期三(利率持平)


奇虎贷款    12/05     171    
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5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4.875%,15年固定利率保持在4.375%,
5/1 ARM利率保持在4.250%。购房贷款40万左右,30年固定利率保持在4.750%,15年固定
利率保持在4.125%,5/1 ARM利率保持在4.250%.

: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
<=$453K4.8754.3754.7504.375------------
>$453K5.0004.375------------4.250------
Jumbo5.1254.750------------4.500------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.0004.6254.8754.625------------
>$453K5.1254.625------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.1254.6254.1254.2504.250
APR4.7924.1784.6524.2014.2694.290
>$453K4.8754.375------------4.250------
APR4.9074.393------------4.260------
Jumbo4.8754.375------------4.2504.250
APR4.9144.442------------4.2774.288
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.250------5.125------------------
APR5.270------5.168------------------
************** 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
<=$453K4.8754.2504.7504.2504.3754.375
>$453K5.1254.750------------4.500------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.0004.5004.8754.500------------
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.1254.6254.1254.2504.250
APR4.7614.1264.6114.1264.2404.261
>$453K4.8754.375------------4.2504.250
APR4.8884.398------------4.2524.263
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.250------5.125------------------
APR5.239------5.126------------------
************* 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
<=$453K4.8754.3754.8754.375------------
>$453K5.2504.8755.000------4.5004.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.0004.6255.0004.625------------
>$453K5.2504.8755.000------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.1254.6254.1254.2504.250
APR4.7554.1334.6164.1364.2444.265
>$453K4.8754.375------------4.2504.250
APR4.8914.403------------4.2554.266
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.250------5.125------------------
APR5.232------5.131------------------
************ 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
<=$453K5.0004.5004.8754.500------------
>$453K5.2504.8755.000------4.5004.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.5005.1255.625------------------
>$453K5.2504.8755.000------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.5004.1254.2504.250
APR4.6784.1414.5574.1494.2704.291
>$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
<=$453K5.1254.7505.0004.750------------
APR5.1684.8235.0734.855------------
************** 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
<=$453K5.1254.7505.0004.750------------
>$453K5.6255.1255.375------5.1255.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.250------5.250------------------
>$453K5.6255.1255.375------5.1255.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.1254.5004.1254.2504.250
APR4.7694.1574.5704.1724.2684.289
>$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
<=$453K5.1254.7505.1254.750------------
APR5.1784.8405.1514.879------------
************ 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
<=$453K5.0004.6255.0004.625------------
>$453K5.3754.8755.125------4.6254.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.1254.7505.1254.750------------
>$453K5.3754.8755.125------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.1254.5004.1254.2504.250
APR4.7844.1834.5904.2094.2834.304
>$453K4.8754.375------------4.2504.250
APR4.8984.414------------4.2624.272
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.1254.7505.1254.750------------
APR5.1934.8665.1724.917------------
************ 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
<=$453K4.8754.2504.7504.2504.3754.375
>$453K5.1254.750------------4.500------
Jumbo5.1254.750------------4.5004.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.0004.5004.8754.500------------
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.1254.6254.1254.2504.250
APR4.7614.1254.6104.1254.2404.261
>$453K4.8754.375------------4.2504.250
APR4.8884.397------------4.2524.263
Jumbo4.8754.375------------4.2504.250
APR4.8834.388------------4.2474.258
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.250------5.125------------------
APR5.239------5.125------------------

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