【房贷利率】1月31日星期三(利率持平)


奇虎贷款    01/31     3257    
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(1月31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4.250%,15年固定利率保持在3.750%,
5/1 ARM利率保持在4.000%。购房贷款40万左右,30年固定利率保持在4.125%,15年固定
利率保持在3.500%,5/1 ARM利率保持在3.625%.

: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
<=$453K4.2503.7504.0003.7504.0004.125
>$453K4.4504.0004.450------4.2504.375
Jumbo4.3754.3754.750------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3753.8754.1253.8754.3754.500
>$453K4.8754.5004.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5004.0003.5003.6253.750
APR4.1613.5994.0063.6443.6803.806
>$453K4.2503.8754.250------4.1254.250
APR4.2793.9044.290------4.1534.279
Jumbo4.2504.1254.625------3.8753.875
APR4.2634.1664.652------3.9083.908
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.250
APR4.6404.2074.4254.2444.1634.288
********** 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
<=$453K4.2503.7504.0003.7504.0004.125
>$453K4.5004.3754.750------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3753.8754.1253.8754.2504.375
>$453K5.0004.3754.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5004.0003.5003.6253.750
APR4.1323.5483.9663.5703.6523.777
>$453K4.2504.1254.625------3.8753.875
APR4.2384.1224.617------3.8843.884
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.250
APR4.6114.1564.3854.1694.1344.259
*********** 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
<=$453K4.2503.8754.1253.8754.5004.250
>$453K4.7504.6254.875------4.3754.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.5004.500
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5004.0003.5003.6253.750
APR4.1253.5553.9723.5803.6563.781
>$453K4.2504.1254.625------3.8753.875
APR4.2404.1274.621------3.8863.886
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.250
APR4.5324.1624.3904.1794.1384.263
*********** 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
<=$453K4.3753.8754.1253.875------5.250
>$453K5.1254.6254.875------4.3754.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6255.0004.500------------5.250
>$453K5.1254.6254.875------4.5004.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.0003.5003.8753.5003.6253.750
APR4.0573.5643.9393.5923.6813.806
>$453K4.8754.2504.625------4.1254.250
APR4.8724.2834.622------4.1284.253
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.1254.250
APR4.5374.1024.3304.1474.1844.310
********** 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
<=$453K4.5004.0004.2504.000------------
>$453K5.5004.8755.250------5.0004.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.250------------
>$453K5.5004.8755.250------5.0004.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5003.8753.5003.6253.750
APR4.1393.5793.9523.6153.6793.805
>$453K4.8754.2504.625------4.1254.250
APR4.8734.2834.622------4.1284.253
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.250
APR4.5464.1874.4094.2144.1854.311
*********** 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
<=$453K4.3754.0004.2504.000------5.250
>$453K4.7504.6255.000------4.5004.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.125------5.250
>$453K5.2504.6255.000------4.5004.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5003.8753.5003.6253.750
APR4.1543.6053.9723.6523.6943.819
>$453K4.2504.1254.625------3.8753.875
APR4.2474.1384.630------3.8923.892
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.1254.3754.1254.1254.250
APR4.5624.2134.4304.2524.2004.325
********** 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
<=$453K4.2503.7504.0003.7504.0004.125
>$453K4.5004.3754.750------4.2504.250
Jumbo4.3754.3754.750------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.3753.8754.1253.8754.2504.375
>$453K5.0004.3754.750------4.2504.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.1253.5004.0003.5003.6253.750
APR4.1403.5473.9663.5693.6513.777
>$453K4.2504.1254.625------3.8753.875
APR4.2374.1214.617------3.8833.883
Jumbo4.2504.1254.625------3.8753.875
APR4.2324.1124.609------3.8783.878
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.1254.250
APR4.6104.1554.3844.1684.1334.258

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