【房贷利率】11月15日星期二
奇虎贷款-100436 11/15 4837
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15日 星期二)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3.875%,15年固定利率保持在3.125%,
5/1 ARM稳定在3.250%。购房贷款40万左右,30年固定利率保持在3.750%,15年固定
利率保持在2.875%,5/1 ARM上升为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-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.500 |
>$417K | 4.125 | 3.250 | 4.000 | 3.500 | 3.500 | 3.625 |
Jumbo | 4.250 | 4.000 | ------ | ------ | 3.375 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.625 | 4.125 |
>$417K | 4.875 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.125 | 3.500 |
APR | 3.791 | 2.973 | 3.654 | 2.981 | 3.153 | 3.470 |
>$417K | 4.000 | 3.125 | 3.875 | 3.250 | 3.250 | 3.375 |
APR | 4.037 | 3.158 | 3.907 | 3.212 | 3.287 | 3.417 |
Jumbo | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.168 | 3.923 | ------ | ------ | 3.161 | 3.393 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.250 | 4.625 |
APR | 4.171 | 3.456 | 4.049 | 3.492 | 4.293 | 4.681 |
******************************* 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 | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.500 |
>$417K | 4.375 | 4.250 | ------ | ------ | 3.375 | 3.500 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.625 | 4.000 |
>$417K | 4.375 | 4.375 | ------ | ------ | 3.500 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.500 |
APR | 3.763 | 2.923 | 3.615 | 2.908 | 3.022 | 3.443 |
>$417K | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.143 | 3.904 | ------ | ------ | 3.137 | 3.370 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.125 | 4.625 |
APR | 4.142 | 3.405 | 4.009 | 3.419 | 4.150 | 4.647 |
******************************* 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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
>$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 4.250 |
>$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.500 |
APR | 3.760 | 2.929 | 3.620 | 2.918 | 3.026 | 3.446 |
>$417K | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.125 | 3.908 | ------ | ------ | 3.140 | 3.372 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.125 | 4.625 |
APR | 4.136 | 3.412 | 4.015 | 3.428 | 4.154 | 4.645 |
******************************* 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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.625 | 4.000 |
>$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.500 | 4.000 | 3.375 | ------ | ------ |
>$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.375 |
APR | 3.765 | 2.937 | 3.653 | 2.966 | 3.034 | 3.414 |
>$417K | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.141 | 3.912 | ------ | ------ | 3.136 | 3.368 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.125 | 4.625 |
APR | 4.140 | 3.420 | 4.021 | 3.440 | 4.162 | 4.660 |
******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | ------ | ------ |
>$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ |
>$417K | 4.500 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.125 | 3.500 |
APR | 3.766 | 2.940 | 3.619 | 2.917 | 3.152 | 3.466 |
>$417K | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.146 | 3.909 | ------ | ------ | 3.140 | 3.373 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.250 | 4.625 |
APR | 4.149 | 3.436 | 4.034 | 3.463 | 4.292 | 4.681 |
******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 4.250 |
>$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.125 | 4.625 |
>$417K | 4.375 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 2.875 | 3.625 | 2.875 | 3.000 | 3.500 |
APR | 3.789 | 2.979 | 3.668 | 3.006 | 3.062 | 3.480 |
>$417K | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.131 | 3.919 | ------ | ------ | 3.146 | 3.378 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 4.125 | 4.625 |
APR | 4.165 | 3.462 | 4.055 | 3.501 | 4.192 | 4.691 |
******************************* 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 | 3.875 | 3.125 | 3.750 | 3.000 | 3.250 | 3.500 |
>$417K | 4.250 | 4.250 | ------ | ------ | 3.375 | 3.500 |
Jumbo | 4.250 | 4.000 | ------ | ------ | 3.250 | 3.375 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.500 | 4.000 |
>$417K | 4.375 | 4.375 | ------ | ------ | 3.500 | 3.625 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 3.000 | 3.375 |
APR | 3.762 | 2.986 | 3.614 | 2.907 | 3.019 | 3.398 |
>$417K | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.375 |
APR | 4.142 | 3.903 | ------ | ------ | 3.137 | 3.369 |
Jumbo | 4.125 | 3.875 | ------ | ------ | 3.125 | 3.250 |
APR | 4.117 | 3.859 | ------ | ------ | 3.113 | 3.248 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 4.125 | 4.625 |
APR | 4.242 | 3.529 | 4.018 | 3.542 | 4.146 | 4.643 |
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