【房贷利率】9月23日星期五 | Welcome

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【房贷利率】9月23日星期五

奇虎贷款利率

奇虎贷款-100436 09/23 6237

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（09月23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3.375%，15年固定利率稳定在2.750%，
5/1 ARM维持在3.000%。购房贷款40万左右，30年固定利率稳定在3.250%，15年固定
利率稳定在2.500%，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 3.375 2.750 3.125 2.625 3.000 3.250
>$417K 3.500 2.750 3.375 2.875 3.250 3.250
Jumbo 3.625 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 3.500 2.750 3.250 2.750 3.250 3.375
>$417K 3.875 3.375 3.750 3.625 3.375 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.284 2.586 3.055 2.527 2.789 2.924
>$417K 3.375 2.750 3.250 2.750 3.125 3.125
APR 3.399 2.744 3.305 2.781 3.150 3.148
Jumbo 3.625 2.875 ------ ------ 2.875 2.875
APR 3.615 2.944 ------ ------ 2.902 2.913
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 2.875 3.500 3.625
APR 3.657 3.040 3.407 2.991 3.556 3.663
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 3.375 2.750 3.125 2.500 2.875 3.125
>$417K 3.750 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 3.500 2.750 3.250 2.625 3.125 3.375
>$417K 3.875 3.375 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.250 2.526 3.008 2.423 2.758 2.897
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.612 3.010 ------ ------ 3.000 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.500 3.625
APR 3.622 2.925 3.360 2.918 3.522 3.628
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 3.375 2.750 3.250 2.625 3.125 3.375
>$417K 3.875 3.375 ------ ------ ------ 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.375 3.500
>$417K 4.000 3.500 ------ ------ ------ 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.254 2.532 3.013 2.432 2.761 2.901
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.614 3.015 ------ ------ 3.002 3.005
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.500 3.625
APR 3.626 2.931 3.365 2.928 3.526 3.632
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 2.750 3.250 2.750 3.250 3.500
>$417K 3.875 3.375 ------ ------ ------ 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 3.000 3.625 3.750
>$417K 4.000 3.500 ------ ------ ------ 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.275 2.580 3.050 2.497 2.769 2.923
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.612 3.011 ------ ------ 3.000 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.625 3.625
APR 3.630 2.973 3.403 2.940 3.653 3.659
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 3.500 2.875 3.375 2.875 3.625 3.750
>$417K 4.125 3.750 ------ ------ ------ 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 ------ 4.125
>$417K 4.250 3.875 ------ ------ ------ 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.375 2.750 2.875
APR 3.276 2.546 3.068 2.468 2.785 2.920
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.615 3.016 ------ ------ 3.003 3.006
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 2.875 3.625 3.625
APR 3.639 3.057 3.420 2.962 3.666 3.672
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 3.500 2.875 3.375 2.750 3.375 3.625
>$417K 4.000 3.500 ------ ------ ------ 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 3.500 2.875 3.625 3.875
>$417K 4.125 3.625 ------ ------ ------ 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.298 2.607 3.090 2.527 2.798 2.933
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.620 3.026 ------ ------ 3.008 3.011
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.375 2.875 3.625 3.625
APR 3.653 3.086 3.443 3.000 3.682 3.688
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 3.375 2.750 3.125 2.500 2.875 3.125
>$417K 3.750 3.250 ------ ------ 3.250 3.125
Jumbo 3.625 3.125 ------ ------ 3.000 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.250 2.625 3.125 3.375
>$417K 3.875 3.375 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 2.990 2.500 2.750 2.875
APR 3.249 2.525 3.007 2.411 2.754 2.896
>$417K 3.625 3.000 ------ ------ 3.000 3.000
APR 3.611 3.010 ------ ------ 2.999 3.002
Jumbo 3.625 2.875 ------ ------ 2.875 2.875
APR 3.586 2.892 ------ ------ 2.874 2.885
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.990 3.500 3.625
APR 3.622 2.924 3.359 3.013 3.521 3.628

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

NMLS ID 1169300 CA BRE Lic 01950932

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