【房贷利率】12月16日星期二(利率持平)


奇虎贷款    01/16     1843    
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16日 星期二)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3.500%,
5/1 ARM利率保持在4.125%。购房贷款40万左右,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利率下降至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 $453K, 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
<=$453K4.0003.3753.8753.3754.2504.375
>$453K4.2003.6254.200------4.1254.250
Jumbo4.2504.2504.625------4.0004.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6253.8753.6254.2504.375
>$453K4.6254.3754.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.7503.2503.5003.625
APR3.9103.3303.7853.3673.5553.680
>$453K3.9903.5003.990------4.0004.125
APR4.0393.5834.058------4.0284.153
Jumbo4.0003.8754.500------3.7503.750
APR4.0333.9344.527------3.7833.773
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.0004.125
APR4.3073.9574.1603.9934.0384.163
************ MARYLAND *************
(Based on Conforming Loan $453K, 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
<=$453K4.0003.3753.8753.3754.1254.250
>$453K4.2504.2504.625------4.1254.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6253.8753.6254.1254.250
>$453K4.8754.2504.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.7503.2503.5003.625
APR3.8823.2803.7453.2933.5273.652
>$453K4.0003.8754.500------3.7503.750
APR4.0093.8904.492------3.7593.748
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.0004.125
APR4.2783.9054.1203.9194.0094.134
************ VIRGINIA ************
(Based on Conforming Loan $453K, 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
<=$453K4.0003.5003.8753.5004.3754.375
>$453K4.3754.5004.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.7504.0003.7504.3754.375
>$453K5.0004.5004.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.7503.2503.5003.625
APR3.8753.2873.7503.3033.5303.656
>$453K4.0003.8754.500------3.7503.750
APR4.0113.8954.496------3.7613.751
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.0004.125
APR4.2713.9124.1253.9294.0134.138
********** 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
<=$453K4.1253.6253.8753.625------5.125
>$453K5.0004.5004.750------4.2504.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.1254.250------------5.125
>$453K5.0004.5004.750------4.3754.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.6253.2503.5003.625
APR3.8803.2953.7033.3153.5553.681
>$453K4.7504.1254.500------4.0004.125
APR4.7474.1584.497------4.0034.128
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.0003.7504.0004.125
APR4.2763.8514.0793.8964.0594.184
*********** 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
<=$453K4.2503.7504.0003.750------------
>$453K5.3754.7505.125------4.8754.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3754.0004.1254.000------------
>$453K5.3754.7505.125------4.8754.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.7503.2503.5003.625
APR3.8893.3113.7693.3383.5543.679
>$453K4.7504.1254.500------4.0004.125
APR4.7484.1584.497------4.0034.128
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.0004.125
APR4.2853.9374.1443.9644.0604.185
*********** 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
<=$453K4.1253.6254.0003.625------5.125
>$453K4.3754.5004.875------4.3754.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.875------5.125
>$453K5.1254.5004.875------4.3754.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.7503.2503.5003.625
APR3.9033.3363.7893.3753.5683.694
>$453K4.0003.8754.500------3.7503.750
APR4.0183.9064.505------3.7673.757
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.0004.125
APR4.3003.9634.1654.0014.0744.200
********** WASHINGTON **********
(Based on Conforming Loan $453K, 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
<=$453K4.0003.3753.8753.3754.1254.250
>$453K4.2504.2504.625------4.1254.250
Jumbo4.2504.2504.625------4.0004.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.6253.8753.6254.1254.250
>$453K4.8754.2504.625------4.1254.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K3.8753.2503.7503.2503.5003.625
APR3.8973.2793.7513.2923.5263.651
>$453K4.0003.8754.500------3.7503.750
APR4.0083.8904.492------3.7583.748
Jumbo4.0003.8754.500------3.7503.750
APR4.0033.8814.484------3.7533.743
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.8754.1253.8754.0004.125
APR4.2773.9044.1193.9184.0084.133

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