【房贷利率】11月10日 星期四

    奇虎贷款利率    

奇虎贷款-100436  11/10   4597  
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10日 星期四)开盘时的房贷利率价格和上个工作日相比变差。目前
重新贷款40万左右的利率，30年固定利率上涨为3.750%，15年固定利率上升至2.875%，
5/1 ARM上升至3.750%。购房贷款40万左右，30年固定利率上升为3.625%，15年固定
利率上升至2.750%，5/1 ARM上升至3.125%.

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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.8753.6252.8753.7503.750
>$417K4.0003.2504.0003.375------------
Jumbo4.0003.375------------3.2503.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.1253.7503.1254.250------
>$417K4.7503.7504.250------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.7503.5002.7503.1253.250
APR3.6502.8293.5492.8663.1793.304
>$417K3.8753.1254.1253.250------4.000
APR3.9223.2084.1543.316------4.042
Jumbo3.7503.125------------3.0003.125
APR3.7903.186------------3.0413.159
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
APR4.0463.3303.9393.367------------
************** MARYLAND ***************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.8753.6252.8753.6253.625
>$417K4.000------------------3.5003.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.1253.7503.1254.250------
>$417K4.125------------------3.5003.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.7503.5002.7503.1253.250
APR3.6212.7803.5092.7933.1513.276
>$417K3.8753.250------------3.1253.250
APR3.8713.260------------3.1393.253
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
APR4.0173.2803.8993.293------------
************** VIRGINIA *****************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.0003.6253.0003.8754.125
>$417K4.125------------------------3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.1253.7503.125------------
>$417K4.250------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.7503.5002.7503.1253.250
APR3.6152.7863.5142.8033.1553.280
>$417K3.8753.250------------3.1253.250
APR3.8743.265------------3.1423.255
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
APR4.0113.2873.9043.303------------
************ 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
<=$417K3.8753.1253.7503.125------------
>$417K4.125------------------------3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.6254.1253.500------------
>$417K4.250------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.7503.5002.7503.1253.250
APR3.6202.7943.5212.8153.1793.305
>$417K3.8753.250------------3.1253.250
APR3.8723.261------------3.1403.253
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
APR4.0153.2953.9113.315------------
************* 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
>$417K4.375------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.3754.0003.375------------
>$417K4.375------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.7503.5002.7503.1253.250
APR3.6282.8103.5332.8373.1783.303
>$417K3.8753.250------------3.1253.250
APR3.8743.266------------3.1423.256
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
APR4.0243.3113.9233.338------------
************* 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
<=$417K3.8753.1253.7503.125------------
>$417K4.250------------------------3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
>$417K4.250------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.7503.5002.7503.1253.250
APR3.6432.8363.5542.8753.1923.318
>$417K3.8753.250------------3.1253.250
APR3.8803.276------------3.1483.261
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.250------------
APR4.0393.3373.9443.376------------
************* 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.1253.7503.1253.6253.875
>$417K4.000------------------3.3753.500
Jumbo4.0003.375------------3.2503.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.8753.2504.1254.250
>$417K4.125------------------3.5003.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.9903.6253.0003.3753.500
APR3.7763.0203.6273.0123.3863.519
>$417K3.8753.250------------3.1253.250
APR3.8713.259------------3.1393.252
Jumbo3.7503.125------------3.0003.125
APR3.7603.134------------3.0123.131
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.5004.0003.500------------
APR4.2493.5374.0293.516------------


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。