【房贷利率】12月08日星期五(利率持平)


奇虎贷款    12/11     2847    
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08日 星期五)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年固定利率下降至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2.875%.

: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
>$424K4.0503.5003.875------3.8754.125
Jumbo4.0004.0004.500------3.7503.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.7503.5004.0004.250
>$424K4.4504.2504.450------3.8754.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1252.8753.125
APR3.7853.2233.6603.2152.9283.169
>$424K3.8753.3753.750------3.2503.875
APR3.9083.4403.797------3.2953.903
Jumbo3.8753.7504.375------3.3753.625
APR3.8983.7904.401------3.4173.658
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.7504.000
APR4.1713.8134.0213.8413.7874.038
************ 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
>$424K4.1254.0004.500------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.5003.7503.5003.8754.125
>$424K4.2504.1254.500------3.8754.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1252.8753.125
APR3.7573.1733.6203.1422.9013.141
>$424K3.8753.7504.375------3.3753.625
APR3.8733.7474.367------3.3933.633
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.7504.000
APR4.1423.7623.9813.7673.7594.009
*********** 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
<=$424K3.8753.3753.7503.3753.2503.500
>$424K4.1254.3754.625------4.0004.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.6253.8753.6254.1254.250
>$424K4.3754.3754.625------4.0004.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1252.8753.125
APR3.7503.1803.6253.1522.9043.145
>$424K3.8753.7504.375------3.3753.625
APR3.8763.7524.371------3.3963.636
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.7504.000
APR4.1363.7693.9863.7773.7634.013
************ 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
<=$424K4.0003.5003.7503.500------5.000
>$424K4.3754.3754.625------4.0004.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0004.125------5.000
>$424K4.3754.3754.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.5003.0002.8753.125
APR3.7553.1883.5783.1442.9283.169
>$424K4.1254.0004.375------3.7504.000
APR4.1254.0334.372------3.7534.003
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6253.8753.6253.7504.000
APR4.1403.7073.9393.7443.8084.059
************* 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
<=$424K4.1253.6253.8753.625------------
>$424K4.5004.6255.000------4.6254.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.875------------
>$424K5.1254.6255.000------4.6254.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1252.8753.125
APR3.7643.2033.6443.1862.9273.168
>$424K4.1254.0004.375------3.7504.000
APR4.1274.0334.372------3.7534.003
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6253.8753.6253.7504.000
APR4.1493.7233.9523.7673.8094.060
************ 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
<=$424K4.0003.5003.8753.500------5.000
>$424K4.2504.3754.750------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.750------5.000
>$424K4.5004.3754.750------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1252.8753.125
APR3.7783.2293.6643.2232.9413.182
>$424K3.8753.7504.375------3.3753.625
APR3.8823.7634.380------3.4023.642
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6253.8753.6253.7504.000
APR4.1643.7493.9723.8043.8234.074
************* 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
>$424K4.1254.0004.500------3.8754.000
Jumbo4.0004.0004.500------3.7503.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.5003.7503.5003.8754.125
>$424K4.2504.1254.500------3.8754.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.1253.6253.1252.8753.125
APR3.7503.1723.6243.1412.9003.141
>$424K3.8753.7504.375------3.3753.625
APR3.8733.7464.367------3.3933.633
Jumbo3.8753.7504.375------3.3753.625
APR3.8683.7374.359------3.3883.628
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.7504.000
APR4.1423.7613.9803.7663.7584.008

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