【房贷利率】12月26日星期一(圣诞快乐!)


奇虎贷款    12/26     2797    
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26日 星期一)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4.000%,15年固定利率保持在3.375%,
5/1 ARM利率上升至4.125%。购房贷款40万左右,30年固定利率上升至3.950%,15年固定
利率保持在3.250%,5/1 ARM利率上升至3.500%.

: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
<=$424K4.0003.3753.7503.3754.1254.250
>$424K4.1253.6254.125------4.0004.125
Jumbo4.1254.0004.625------4.0004.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5004.1254.250
>$424K4.7004.3754.625------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.5003.625
APR3.9003.3123.7563.3403.5553.680
>$424K3.9503.5003.950------3.8754.000
APR3.9983.5474.017------3.9034.028
Jumbo4.0003.7504.500------3.6253.750
APR4.0233.8274.527------3.6583.783
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.8753.8754.000
APR4.2973.9204.0783.9403.9124.038
************* 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
<=$424K4.0003.3753.7503.3754.0004.125
>$424K4.2504.2504.625------4.0004.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5004.0004.125
>$424K4.5004.2504.625------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.5003.625
APR3.8713.2623.7173.2673.5273.652
>$424K4.0003.7504.500------3.6253.750
APR3.9983.7844.492------3.6333.759
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.8753.8754.000
APR4.2673.8694.0383.8663.8844.009
********** 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
<=$424K4.0003.5003.8753.5004.2504.250
>$424K4.2504.5004.750------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.6254.0003.6254.2504.250
>$424K5.0004.5004.750------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.5003.625
APR3.8653.2683.7223.2773.5303.656
>$424K4.0003.7504.500------3.6253.750
APR4.0013.7884.496------3.6363.761
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.6253.8754.000
APR4.2613.8754.0443.6683.8884.013
********* 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
<=$424K4.0003.5003.8753.500------5.000
>$424K4.5004.5004.750------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3754.1254.250------------5.000
>$424K5.0004.5004.750------4.2504.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.7503.2503.6253.1253.5003.625
APR3.8063.2773.6893.2433.5553.681
>$424K4.2504.1254.500------3.8754.000
APR4.2574.1584.497------3.8784.003
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.7504.0003.7503.8754.000
APR4.1823.8324.0503.8693.9334.059
*********** 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
<=$424K4.1253.7504.0003.750------------
>$424K5.3754.7505.125------4.7504.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.8754.1253.875------------
>$424K5.3754.7505.125------4.7504.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.6253.1253.5003.625
APR3.8783.2923.7013.2663.5543.679
>$424K4.2504.1254.500------3.8754.000
APR4.2594.1584.497------3.8784.003
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.7504.0003.7503.8754.000
APR4.2753.8484.0633.8923.9344.060
********** 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
<=$424K4.1253.6254.0003.625------5.000
>$424K4.3754.5004.875------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.875------5.000
>$424K5.1254.5004.875------4.2504.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.6253.1253.5003.625
APR3.8933.3183.7213.3033.5683.694
>$424K4.0003.7504.500------3.6253.750
APR4.0073.8004.505------3.6423.767
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.7504.0003.7503.8754.000
APR4.2893.8744.0833.9303.9494.074
*********** 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
<=$424K4.0003.3753.7503.3754.0004.125
>$424K4.2504.2504.625------4.0004.125
Jumbo4.1254.0004.625------4.0004.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.5004.0004.125
>$424K4.5004.2504.625------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.2503.7503.2503.5003.625
APR3.8713.2613.7163.2663.5263.651
>$424K4.0003.7504.500------3.6253.750
APR3.9983.7834.492------3.6333.758
Jumbo4.0003.7504.500------3.6253.750
APR3.9933.7744.484------3.6283.753
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.8754.0003.8753.8754.000
APR4.2673.8684.0373.8643.8834.008

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