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【房贷利率】9月26日星期一

奇虎贷款利率

奇虎贷款-100436 09/26 6472

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26日星期一)开盘时的房贷利率价格和上个工作日相比变好。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下降至2.875%。购房贷款40万左右，30年固定利率下降至3.200%，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 2.500 2.875 3.250
>$417K 3.500 2.750 3.250 2.750 3.250 3.250
Jumbo 3.625 3.000 ------ ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.490 2.750 3.250 2.750 3.125 3.375
>$417K 3.800 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 3.200 2.500 2.990 2.500 2.750 2.875
APR 3.253 2.572 3.036 2.507 2.776 2.924
>$417K 3.375 2.750 3.250 2.750 3.000 3.000
APR 3.387 2.724 3.263 2.768 3.038 3.041
Jumbo 3.500 2.875 ------ ------ 2.875 2.875
APR 3.524 2.912 ------ ------ 2.900 2.910
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.250 2.875 3.500 3.625
APR 3.640 2.972 3.290 2.939 3.555 3.660
* 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 3.125 ------ ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.490 2.750 3.250 2.625 3.125 3.375
>$417K 3.750 3.250 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.500 2.625 2.875
APR 3.220 2.512 2.989 2.393 2.647 2.897
>$417K 3.625 2.875 ------ ------ 2.875 3.000
APR 3.620 2.906 ------ ------ 2.891 2.995
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.550 2.875 3.250 2.875 3.500 3.625
APR 3.578 2.911 3.243 2.866 3.520 3.626
* 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 3.125 2.625 3.000 3.250
>$417K 3.750 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 3.250 2.750 3.250 3.500
>$417K 3.875 3.500 ------ ------ ------ 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.500 2.625 2.875
APR 3.223 2.519 2.994 2.403 2.651 2.901
>$417K 3.625 2.875 ------ ------ 2.875 3.000
APR 3.593 2.911 ------ ------ 2.893 2.997
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.550 2.875 3.250 2.875 3.500 3.625
APR 3.581 2.918 3.248 2.876 3.524 3.630
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 3.375 2.750 3.250 2.750 3.125 3.375
>$417K 3.750 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 3.250 2.875 3.625 3.750
>$417K 3.875 3.500 ------ ------ ------ 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.500 2.625 2.875
APR 3.250 2.567 3.032 2.468 2.658 2.923
>$417K 3.625 2.875 ------ ------ 2.875 3.000
APR 3.591 2.907 ------ ------ 2.889 2.993
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.250 2.750 3.500 3.625
APR 3.545 2.937 3.286 2.893 3.536 3.657
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 3.250 2.750 3.625 3.750
>$417K 4.125 3.625 ------ ------ ------ 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 3.375 2.875 ------ 4.125
>$417K 4.125 3.750 ------ ------ ------ 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 3.263 2.546 3.049 2.468 2.775 2.920
>$417K 3.625 2.875 ------ ------ 2.875 3.000
APR 3.593 2.911 ------ ------ 2.894 2.997
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.250 2.875 3.625 3.625
APR 3.554 2.953 3.303 2.910 3.658 3.670
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 2.750 3.250 2.750 3.250 3.500
>$417K 3.875 3.375 ------ ------ ------ 3.500
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 2.875 3.500 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 2.625 2.875
APR 3.278 2.605 3.071 2.497 2.686 2.933
>$417K 3.625 2.875 ------ ------ 2.875 3.000
APR 3.599 2.922 ------ ------ 2.899 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.250 2.875 3.500 3.625
APR 3.569 2.979 3.326 2.948 3.564 3.686
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 2.625 3.125 2.500 2.875 3.125
>$417K 3.625 3.125 ------ ------ 3.125 3.125
Jumbo 3.625 3.000 ------ ------ 3.000 3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.490 2.750 3.250 2.625 3.125 3.375
>$417K 3.750 3.250 ------ ------ 3.250 3.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.200 2.500 2.990 2.500 2.625 2.875
APR 3.219 2.511 2.988 2.382 2.643 2.896
>$417K 3.625 2.875 ------ ------ 2.875 3.000
APR 3.590 2.905 ------ ------ 2.890 2.994
Jumbo 3.500 2.875 ------ ------ 2.875 2.875
APR 3.494 2.861 ------ ------ 2.866 2.877
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.550 2.875 3.250 2.990 3.500 3.625
APR 3.577 2.910 3.242 3.006 3.520 3.626

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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