【房贷利率】11月4日星期五

🌟奇虎贷款利率

奇虎贷款-100436 11/04 4999

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 Visa的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（11月4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年固定利率维持在3.500%，15年固定利率稳定在2.750%，
5/1 ARM下降至2.875%。购房贷款40万左右，30年固定利率稳定在3.375%，15年固定
利率稳定在2.625%，5/1 ARM稳定在2.750%.
注：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 $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 2.875 3.125
>$417K 3.625 2.875 3.500 2.875 3.375 3.375
Jumbo 3.750 3.125 ------ ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.125 3.375
>$417K 4.000 3.500 3.875 3.500 3.375 3.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.990
APR 3.399 2.706 3.244 2.599 2.778 3.014
>$417K 3.550 2.750 3.375 2.750 3.125 3.125
APR 3.581 2.803 3.420 2.821 3.151 3.160
Jumbo 3.625 3.000 ------ ------ 2.875 3.000
APR 3.635 3.035 ------ ------ 2.905 3.019
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 3.000 3.500 3.625
APR 3.765 3.098 3.545 3.143 3.547 3.661
MARYLAND
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 2.875 3.125
>$417K 3.875 3.250 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.125 3.375
>$417K 3.875 3.500 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.875
APR 3.372 2.639 3.191 2.485 2.747 2.898
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.631 3.028 ------ ------ 3.002 3.015
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 3.000 3.500 3.000 3.500 3.500
APR 3.725 3.045 3.492 3.070 3.509 3.527
VIRGINIA *
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 3.000 3.250
>$417K 3.875 ------ ------ ------ ------ 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.250 3.500
>$417K 4.000 ------ ------ ------ ------ 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.875
APR 3.365 2.645 3.196 2.495 2.751 2.901
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.634 3.033 ------ ------ 3.004 3.018
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.500 3.500
APR 3.656 3.052 3.497 3.079 3.513 3.531
* TEXAS *
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.500 2.875 3.125 3.375
>$417K 3.875 ------ ------ ------ ------ 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.125 3.625 3.625
>$417K 4.000 ------ ------ ------ ------ 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.250 2.500 2.625 2.990
APR 3.305 2.694 3.234 2.560 2.662 3.007
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.632 3.029 ------ ------ 3.002 3.015
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.500 3.625
APR 3.660 3.063 3.536 3.091 3.540 3.654
FLORIDA ***
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.625 3.625
>$417K 4.125 ------ ------ ------ ------ 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.125 ------ 3.990
>$417K 4.250 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.990
APR 3.378 2.689 3.244 2.553 2.777 3.019
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.634 3.034 ------ ------ 3.005 3.018
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.500 3.625
APR 3.669 3.078 3.553 3.114 3.552 3.667
* GEORGIA
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.250 3.625
>$417K 4.000 ------ ------ ------ ------ 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.625 3.000 3.625 3.875
>$417K 4.000 ------ ------ ------ ------ 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.750 2.990
APR 3.393 2.744 3.274 2.590 2.786 3.035
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.640 3.044 ------ ------ 3.010 3.024
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.500 3.625
APR 3.684 3.104 3.576 3.152 3.569 3.683
WASHINGTON *
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.490 2.750 3.375 2.625 2.875 3.125
>$417K 3.875 3.250 ------ ------ 3.250 3.250
Jumbo 3.750 3.125 ------ ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.125 3.375
>$417K 3.875 3.500 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.625 2.875
APR 3.373 2.638 3.191 2.473 2.647 2.897
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.631 3.028 ------ ------ 3.001 3.015
Jumbo 3.625 3.000 ------ ------ 2.875 3.000
APR 3.606 2.983 ------ ------ 2.877 2.990
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 3.000 3.500 3.125 3.500 3.500
APR 3.724 3.044 3.491 3.071 3.508 3.527
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@circlesquaremortgage.com

Southern California:
780 Roosevelt, Ste 120
Irvine, CA 92620
Phone: (949) 829-3863
Fax: (877) 442-7883
irvineoffice@circlesquaremortgage.com

Texas:
2775 Villa Creek Road, Ste 124
Dallas, TX 75234
Phone: (866) 269-9847
Fax: (877) 442-7883

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