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【房贷利率】12月05日星期一

奇虎贷款利率

奇虎贷款-100436 12/05 5638

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（12月05日星期一)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4.125%，15年固定利率保持在3.250%，
5/1 ARM保持在3.500%。购房贷款40万左右，30年固定利率保持在4.000%，15年固定
利率保持在3.250%，5/1 ARM利率稳定在3.250%.
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 4.125 3.250 4.000 3.250 3.500 3.875
>$417K 4.250 3.500 4.125 3.500 3.625 3.625
Jumbo 4.375 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 4.125 3.375 4.000 3.375 3.875 4.250
>$417K 4.750 ------ 4.625 ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.625
APR 4.015 3.240 3.904 3.235 3.283 3.666
>$417K 4.250 3.375 4.000 3.375 3.375 3.500
APR 4.256 3.456 4.028 3.436 3.403 3.527
Jumbo 4.250 3.750 ------ ------ 3.250 3.375
APR 4.265 3.806 ------ ------ 3.277 3.408
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ ------
APR 4.401 3.688 4.256 3.716 ------ ------
* 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 4.125 3.250 4.000 3.250 3.375 3.875
>$417K 4.375 4.375 ------ ------ 3.500 3.625
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 3.750 4.250
>$417K 4.375 ------ ------ ------ 3.500 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.125 3.625
APR 3.986 3.190 3.857 3.162 3.147 3.633
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.240 3.874 ------ ------ 3.253 3.384
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ ------
APR 4.371 3.637 4.216 3.642 ------ ------
* 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 4.125 3.375 4.000 3.375 3.625 4.000
>$417K ------ ------ ------ ------ 3.625 3.750
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 4.125 4.375
>$417K ------ ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.125 3.625
APR 3.980 3.196 3.862 3.172 3.151 3.637
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.242 3.878 ------ ------ 3.256 3.386
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.250 3.625 4.375 ------
APR 4.282 3.644 4.221 3.652 4.401 ------
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 4.125 3.375 4.000 3.375 3.875 4.250
>$417K ------ ------ ------ ------ 3.625 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.125 3.750 ------ ------
>$417K ------ ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.875 3.125 3.125 3.625
APR 3.932 3.206 3.874 3.243 3.159 3.645
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.238 3.871 ------ ------ 3.252 3.382
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.375 ------
APR 4.287 3.600 4.190 3.645 4.416 ------
* 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 4.250 3.500 4.125 3.500 ------ ------
>$417K ------ ------ ------ ------ 3.875 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.250 3.750 ------ ------
>$417K ------ ------ ------ ------ ------ 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.125 3.250 3.625
APR 3.993 3.222 3.894 3.266 3.282 3.665
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.243 3.879 ------ ------ 3.256 3.387
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 ------ ------
APR 4.296 3.668 4.202 3.687 ------ ------
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 4.250 3.500 4.125 3.500 4.000 4.375
>$417K ------ ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.250 3.625 ------ ------
>$417K ------ ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.125 3.125 3.625
APR 4.008 3.248 3.915 3.304 3.187 3.674
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.249 3.889 ------ ------ 3.262 3.392
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.625 ------ ------
APR 4.311 3.694 4.224 3.725 ------ ------
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 4.125 3.375 4.000 3.250 3.375 3.750
>$417K 4.375 4.250 ------ ------ 3.500 3.625
Jumbo 4.250 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 4.250 3.500 4.000 3.500 3.750 4.125
>$417K 4.375 ------ ------ ------ 3.500 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.875 3.250 3.125 3.625
APR 4.089 3.280 3.852 3.200 3.143 3.629
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.239 3.873 ------ ------ 3.253 3.383
Jumbo 4.125 3.750 ------ ------ 3.125 3.375
APR 4.136 3.753 ------ ------ 3.129 3.359
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.875 4.375 ------
APR 4.481 3.787 4.232 3.900 4.399 ------
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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