【房贷利率】2月15日星期四(新春快乐!)


奇虎贷款    02/15     2950    
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(2月15日 星期四)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4.375%,15年固定利率保持在3.875%,
5/1 ARM利率保持在4.375%。购房贷款40万左右,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3.875%.

: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 $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
<=$453K4.3753.8754.2503.8754.3754.250
>$453K4.5504.0004.550------4.2504.500
Jumbo4.5004.5004.875------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.0004.8754.625
>$453K4.8754.6254.875------4.2504.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.8754.000
APR4.2973.7954.1753.8153.9214.046
>$453K4.3754.0004.375------4.1254.375
APR4.4174.0104.433------4.1534.404
Jumbo4.3754.1254.750------3.8754.000
APR4.3884.2034.777------3.9184.023
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.375
APR4.7764.3334.5504.3694.1634.414
*********** 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
<=$453K4.3753.8754.2503.8754.2504.250
>$453K4.5004.5004.875------4.2504.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.2504.0004.2504.500
>$453K5.0004.5004.875------4.2504.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.8754.000
APR4.2673.7444.1343.7413.8924.017
>$453K4.3754.1254.750------3.8754.000
APR4.3634.1594.742------3.8943.998
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.375
APR4.7464.2814.5104.2944.1344.384
********** 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
<=$453K4.5004.0004.2504.0004.5004.625
>$453K4.7504.7505.000------4.3754.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.3754.1254.5004.625
>$453K5.1254.7505.000------4.3754.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.8754.000
APR4.2613.7504.1403.7513.8964.021
>$453K4.3754.1254.750------3.8754.000
APR4.3654.1644.746------3.8964.001
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.375
APR4.7394.2884.5154.3044.1384.388
********** 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
<=$453K4.5004.0004.3754.000------5.375
>$453K5.1254.7505.000------4.3754.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7505.1254.625------------5.375
>$453K5.1254.7505.000------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2663.7074.1463.7443.9214.047
>$453K4.8754.3754.750------4.1254.375
APR4.8724.4084.747------4.1284.378
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.1254.5004.1254.1254.375
APR4.6734.2274.5224.2724.1844.435
********** 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
<=$453K4.6254.1254.5004.125------------
>$453K5.5005.0005.375------5.0005.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.750------4.625------------------
>$453K5.5005.0005.375------5.0005.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2753.7234.1593.7673.9204.045
>$453K4.8754.3754.750------4.1254.375
APR4.8734.4094.747------4.1284.378
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.2504.1254.375
APR4.6834.3124.5344.3404.1854.436
********* 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
<=$453K4.5004.0004.3754.000------5.375
>$453K4.8754.7505.125------4.5004.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.250------5.375
>$453K5.2504.7505.125------4.5004.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.6254.1253.6253.8754.000
APR4.2893.7494.1793.8043.9344.060
>$453K4.3754.1254.750------3.8754.000
APR4.3724.1754.755------3.9034.007
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.6254.2504.5004.2504.1254.375
APR4.6984.3384.5554.3774.2004.451
*********** 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
<=$453K4.3753.8754.2503.8754.2504.250
>$453K4.5004.5004.875------4.2504.500
Jumbo4.5004.5004.875------4.2504.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.5004.0004.3754.0004.2504.500
>$453K5.0004.5004.875------4.2504.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.2503.7504.1253.7503.8754.000
APR4.2663.7434.1543.7393.8914.017
>$453K4.3754.1254.750------3.8754.000
APR4.3624.1584.742------3.8933.998
Jumbo4.3754.1254.750------3.8754.000
APR4.3574.1494.734------3.8893.993
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$453K4.7504.2504.5004.2504.1254.375
APR4.7604.2804.5094.2934.1334.384

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