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【房贷利率】4月17日星期一(利率变好)


奇虎贷款    04/17     1227    
4.0/2 

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(4月17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3.875%,15年固定利率保持在3.250%,
5/1 ARM利率保持在3.125%。购房贷款40万左右,30年固定利率下降至3.750%,15年固定
利率保持在3.000%,5/1 ARM利率保持在3.000%.

: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
<=$424K3.8753.2503.7503.1253.1253.375
>$424K4.1253.3753.8753.2503.7503.875
Jumbo4.1253.625------------3.6253.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.7503.750
>$424K4.3753.8754.2504.1254.3754.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.8063.0983.6743.0013.0343.274
>$424K4.0003.2503.7503.1253.2503.625
APR4.0373.2783.8043.2093.2953.669
Jumbo4.0003.375------------3.3753.375
APR4.0163.435------------3.4093.415
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3754.1254.250
APR4.1823.5444.0493.4924.1824.291
************* 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
<=$424K3.8753.2503.7503.1253.1253.375
>$424K4.1253.625------------3.7503.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.7503.750
>$424K4.2503.750------------3.8753.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.7773.0483.6342.9283.0063.247
>$424K4.0003.500------------3.5003.500
APR4.0133.491------------3.5023.509
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3754.1254.250
APR4.1533.4944.0093.4194.1454.254
************ 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
<=$424K4.0003.2503.7503.2503.2503.500
>$424K4.2503.750------------------3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.2503.8753.875
>$424K4.3754.000------------------4.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.7713.0543.6282.9113.0103.250
>$424K4.0003.500------------3.5003.500
APR4.0153.495------------3.5053.512
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3754.1254.125
APR4.1463.5004.0153.4284.1494.149
*********** 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
<=$424K4.0003.2503.8753.2503.8753.875
>$424K4.2503.875------------------4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.7504.1253.6254.2504.250
>$424K4.3754.000------------------4.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.7753.0633.6462.9923.0343.275
>$424K4.0003.500------------3.5003.500
APR4.0133.492------------3.5033.510
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3754.0003.3754.2504.250
APR4.1513.4754.0213.4404.2954.300
************ 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
<=$424K4.1253.3754.0003.3754.2504.250
>$424K4.5004.250------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.1253.5004.5004.500
>$424K4.500------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.7843.0783.6583.0153.0333.273
>$424K4.0003.500------------3.5003.500
APR4.0163.496------------3.5053.512
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3754.2504.375
APR4.1603.5244.0343.4634.3034.407
************ 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
<=$424K4.0003.3753.8753.2503.8754.000
>$424K4.2503.875------------------4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3754.2504.250
>$424K4.3754.000------------------4.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.7993.1043.6793.0533.0473.288
>$424K4.0003.500------------3.5003.500
APR4.0223.506------------3.5113.518
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.3754.2504.250
APR4.1753.5514.0553.5014.2974.302
*********** 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
<=$424K3.8753.2503.7503.0003.1253.375
>$424K4.1253.625------------3.7503.750
Jumbo4.1253.625------------3.6253.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.6253.750
>$424K4.2503.750------------3.8753.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.0003.6252.8753.0003.250
APR3.7773.0473.6222.9003.0063.246
>$424K4.0003.500------------3.5003.500
APR4.0123.490------------3.5023.509
Jumbo4.0003.375------------3.3753.375
APR3.9863.383------------3.3803.386
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.375------4.125
APR4.1523.4934.0093.417------4.144

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