【房贷利率】11月22日星期三(Happy Thanksgiving!)


奇虎贷款    11/22     1984    
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(11月22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年固定利率保持在3.750%,15年固定
利率保持在3.125%,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 $424K, 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
<=$424K3.8753.2503.7503.2503.1253.375
>$424K4.1253.5003.8753.5003.7503.750
Jumbo4.0003.7504.375------3.6253.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.5003.8754.125
>$424K4.1254.0004.000------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7953.2233.6743.2153.0343.179
>$424K3.8753.2503.7503.2503.3753.625
APR3.9233.3293.7593.3393.4213.654
Jumbo3.8753.6254.250------3.3753.500
APR3.8873.6654.276------3.4103.519
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.6253.875
APR4.1823.8134.0353.8413.6623.912
*********** MARYLAND **************
(Based on Conforming Loan $424K, 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
<=$424K3.8753.2503.7503.2503.1253.375
>$424K4.0003.8754.375------3.7503.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.5003.7504.000
>$424K4.1254.0004.375------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7673.1733.6343.1423.0063.151
>$424K3.8753.6254.250------3.5003.500
APR3.8633.6224.242------3.5083.515
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.6253.875
APR4.1533.7623.9953.7673.6343.884
************ VIRGINIA *************
(Based on Conforming Loan $424K, 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
<=$424K3.9503.3753.7503.3753.3753.625
>$424K4.1253.8754.500------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.6253.8753.6254.0004.125
>$424K4.2504.2504.500------3.8754.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7603.1803.6383.1523.0103.155
>$424K3.8753.6254.250------3.5003.500
APR3.8663.6274.246------3.5113.518
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.6253.875
APR4.1463.7694.0003.7773.6373.888
*********** 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
<=$424K4.0003.5003.8753.5004.0004.125
>$424K4.1254.2504.500------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.7504.0003.875------4.875
>$424K4.2504.2504.500------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.0003.0003.125
APR3.7653.1883.6463.1443.0343.179
>$424K3.8753.7504.250------3.5003.500
APR3.8833.7504.247------3.5093.515
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1513.7074.0073.7443.6833.933
*********** 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
<=$424K4.1253.6254.0003.625------------
>$424K4.3754.5004.875------4.5004.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.875------------
>$424K4.3754.5004.875------4.5004.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7743.2033.6583.1863.0333.178
>$424K3.8753.7504.250------3.5003.500
APR3.8873.7554.247------3.5113.518
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1603.7234.0193.7673.6833.934
*********** 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
<=$424K4.0003.5003.8753.5004.2504.250
>$424K4.2504.0004.625------4.0004.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------4.875
>$424K4.2504.2504.625------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7883.2293.6783.2233.0473.192
>$424K3.8753.6254.250------3.5003.500
APR3.8723.6384.255------3.5173.524
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6253.6253.875
APR4.1753.7494.0393.8043.6983.949
********** WASHINGTON ************
(Based on Conforming Loan $424K, 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
<=$424K3.8753.2503.7503.2503.1253.375
>$424K4.0003.8754.375------3.7503.750
Jumbo4.0003.7504.375------3.6253.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.8753.5003.7504.000
>$424K4.1254.0004.375------3.7503.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1253.0003.125
APR3.7633.1723.6323.1413.0063.151
>$424K3.8753.6254.250------3.5003.500
APR3.8633.6214.242------3.5083.515
Jumbo3.8753.6254.250------3.3753.500
APR3.8583.6134.234------3.3813.490
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.6253.875
APR4.1523.7613.9943.7663.6333.883

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

apply@tigerloans.com