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【房贷利率】1月19日星期四


奇虎贷款    01/19     2918    
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 Visa
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(1月19日 星期四)开盘时的房贷利率价格和上个工作日相比稍差。目前
重新贷款40万左右的利率,30年固定利率保持在4.125%,15年固定利率保持在3.250%,
5/1 ARM利率上升至3.500%。购房贷款40万左右,30年固定利率保持在4.000%,15年固定
利率保持在3.250%,5/1 ARM利率上升至3.125%.

: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 $380K, High-Balance Loan $550K, 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
<=$424K4.1253.2504.0003.2503.5003.625
>$424K4.3003.6254.1253.7503.8754.000
Jumbo4.3754.000------------3.6253.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.3754.1253.3753.7503.875
>$424K4.5004.0004.625------4.0004.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.1253.375
APR4.0363.2583.8903.2613.1593.426
>$424K4.1253.5004.0003.5003.5003.750
APR4.1693.5654.0623.5843.5413.791
Jumbo4.2503.750------------3.3753.625
APR4.2783.805------------3.4153.660
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.2503.6254.3754.500
APR4.4113.7064.2713.7434.4244.543
************* MARYLAND *************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.2503.8753.2503.3753.625
>$424K4.3754.125------------3.6253.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.3754.1253.3753.6253.875
>$424K4.5004.250------------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9903.2503.8753.2503.1253.375
APR4.0193.2083.8503.1883.1313.388
>$424K4.2503.875------------3.3753.625
APR4.2533.895------------3.3913.635
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.2503.6254.3754.375
APR4.3823.6554.2303.6694.3894.396
*************** VIRGINIA ****************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3754.0003.3753.6253.750
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.1253.5003.8754.000
>$424K------------------------4.0004.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9903.2503.8753.2503.1253.375
APR4.0233.2143.8553.1983.1353.392
>$424K4.2503.875------------3.3753.625
APR4.2563.899------------3.3943.638
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.2503.6254.3754.375
APR4.3753.6624.2363.6794.3934.400
************* 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
<=$424K4.1253.3754.1253.3753.7503.875
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.5003.8754.2503.750------------
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.1253.8753.1253.1253.375
APR4.0053.2243.8893.2693.1593.412
>$424K4.2503.875------------3.3753.625
APR4.2513.892------------3.3903.634
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.6254.2504.375
APR4.2973.6704.2053.6914.2934.412
************** FLORIDA ***************
(Based on Conforming Loan $200K, High-Balance 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
<=$424K4.2503.6254.1253.625------------
>$424K4.625------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.7504.2503.750------------
>$424K4.625------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.1253.375
APR4.0143.2383.8553.2133.1583.431
>$424K4.2503.875------------3.3753.625
APR4.2563.900------------3.3943.639
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.2503.6254.3754.500
APR4.3063.6864.2553.7144.4224.548
************ 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
<=$424K4.2503.5004.1253.5003.8754.000
>$424K------------------------4.0004.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.2503.6254.3754.375
>$424K------------------------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.1253.375
APR4.0293.2643.9043.2713.1723.441
>$424K4.2503.875------------3.3753.625
APR4.2623.911------------3.4003.644
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.2503.6254.3754.375
APR4.3223.7134.2763.7524.4324.443
************** WASHINGTON **************
(Based on Conforming Loan $380K, High-Balance Loan $550K, 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
<=$424K4.1253.5003.8753.2503.3753.625
>$424K4.3754.125------------3.6253.875
Jumbo4.3754.000------------3.5003.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.5003.6253.875
>$424K4.3754.250------------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9903.2503.8753.2503.2503.375
APR4.0193.2633.8493.2033.2533.387
>$424K4.2503.875------------3.3753.625
APR4.2523.894------------3.3913.635
Jumbo4.2503.750------------3.3753.625
APR4.2273.752------------3.3663.610
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.4503.7504.2503.8754.2504.375
APR4.4553.7854.2693.8974.2764.396

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: (949) 829-3863
Fax: (877) 442-7883

apply@tigerloans.com


Texas:

2775 Villa Creek Road, Ste 124

Dallas, TX 75234

Phone: (866) 269-9847

Fax: (877) 442-7883