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【房贷利率】12月10日星期一(利率变好)


奇虎贷款    12/10     2275    
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10日 星期一) 开盘时的房贷利率价格和上个工作日相比变好。目前
重新贷款40万左右的利率,30年固定利率下降至4.750%,15年固定利率下降至4.125%,
5/1 ARM利率保持在4.250%。购房贷款40万左右,30年固定利率下降至4.500%,15年固定
利率保持在4.125%,5/1 ARM利率下降至4.125%.

: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
<=$453K4.7504.1254.5004.125------------
>$453K4.8754.375------------4.250------
Jumbo5.0004.625------------4.500------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.8754.3754.7504.375------------
>$453K5.0004.625------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.250
APR4.5524.1034.4314.0944.1654.269
>$453K4.7504.125------------4.125------
APR4.7714.180------------4.156------
Jumbo4.8754.250------------4.1254.250
APR4.8824.317------------4.1634.277
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.125------5.000------------------
APR5.145------5.027------------------
********** 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
<=$453K4.7504.1254.5004.1254.2504.375
>$453K5.0004.625------------4.500------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.8754.3754.6254.375------------
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.250
APR4.5224.0524.3904.0204.1364.240
>$453K4.8754.250------------4.1254.250
APR4.8564.273------------4.1384.252
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.125------5.000------------------
APR5.115------4.986------------------
********** 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
<=$453K4.7504.2504.6254.250------------
>$453K5.250------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.8754.6254.8754.625------------
>$453K5.2504.8755.000------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.125------4.1254.1254.250
APR4.5154.059------4.0304.1404.244
>$453K4.8754.250------------4.1254.250
APR4.8594.278------------4.1414.255
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.000------5.000------------------
APR5.027------4.991------------------
********** 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
<=$453K4.8754.3754.6254.375------------
>$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
<=$453K4.5003.8754.3753.8754.1254.250
APR4.5203.9654.4024.0054.1664.270
>$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
<=$453K5.0004.6254.8754.625------------
APR5.0324.7174.9334.757------------
********** 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
<=$453K5.0004.6254.8754.625------------
>$453K5.6255.1255.375------5.1255.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.125------5.000------------------
>$453K5.6255.1255.375------5.1255.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.0004.1254.250
APR4.5294.0884.4154.1274.1644.268
>$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
<=$453K5.0004.7504.8754.750------------
APR5.0414.8404.9464.879------------
*********** 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
<=$453K4.8754.5004.7504.500------------
>$453K5.250------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.0004.7504.8754.750------------
>$453K5.3754.8755.125------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.0004.1254.250
APR4.5444.1144.4364.1644.1794.283
>$453K4.8754.250------------4.1254.250
APR4.8654.289------------4.1474.262
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.0004.7504.8754.750------------
APR5.0574.8664.9674.917------------
********* 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
<=$453K4.7504.1254.5004.1254.2504.375
>$453K5.0004.625------------4.500------
Jumbo5.0004.500------------4.3754.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.8754.3754.6254.375------------
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.250
APR4.5214.0514.3904.0194.1354.240
>$453K4.8754.250------------4.1254.250
APR4.8554.272------------4.1374.252
Jumbo4.8754.250------------4.1254.250
APR4.8504.263------------4.1324.247
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K5.125------5.000------------------
APR5.114------4.985------------------

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