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15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年固定利率上升至4.250%，15年固定利率保持在3.375%，
5/1 ARM上升至3.625%。购房贷款40万左右，30年固定利率上升至4.125%，15年固定
利率保持在3.250%，5/1 ARM利率上升至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 4.250 3.375 4.125 3.375 3.625 3.990 >$417K 4.500 3.750 4.250 ------ 4.000 4.000 Jumbo 4.500 ------ ------ ------ 3.750 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.375 3.500 4.125 3.500 4.125 4.375 >$417K 4.625 ------ 4.625 ------ 4.000 4.125 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.990 3.250 3.250 3.500 APR 4.140 3.330 4.043 3.367 3.301 3.555 >$417K 4.300 3.625 4.125 4.125 3.750 3.875 APR 4.342 3.650 4.159 4.245 3.773 3.898 Jumbo 4.500 4.250 ------ ------ 3.625 3.750 APR 4.504 4.316 ------ ------ 3.649 3.773 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 3.750 ------ ------ APR 4.515 3.848 4.397 3.895 ------ ------ ************** 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 4.250 3.375 4.125 3.375 3.625 3.875 >$417K 4.625 ------ ------ ------ 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 3.500 4.125 3.500 4.000 4.250 >$417K 4.625 ------ ------ ------ 3.875 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.990 3.250 3.250 3.500 APR 4.111 3.266 3.989 3.293 3.263 3.516 >$417K 4.500 ------ ------ ------ 3.625 3.750 APR 4.479 ------ ------ ------ 3.624 3.749 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 3.750 ------ ------ APR 4.486 3.779 4.350 3.820 ------ ------ ************* 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 4.250 3.500 4.125 3.500 3.750 4.125 >$417K ------ ------ ------ ------ 4.000 4.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.375 3.625 4.250 3.625 4.250 4.625 >$417K ------ ------ ------ ------ 4.000 4.125 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.990 3.250 3.250 3.500 APR 4.104 3.273 3.994 3.303 3.267 3.520 >$417K 4.500 ------ ------ ------ 3.625 3.750 APR 4.482 ------ ------ ------ 3.627 3.751 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 3.750 ------ ------ APR 4.479 3.785 4.355 3.830 ------ ------ ************* 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 4.250 3.500 4.125 3.500 4.125 4.375 >$417K ------ ------ ------ ------ 4.000 4.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.550 3.875 4.375 4.125 ------ ------ >$417K ------ ------ ------ ------ 4.000 4.125 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.250 3.990 3.250 3.250 3.500 APR 4.057 3.295 4.033 3.315 3.294 3.548 >$417K 4.500 ------ ------ ------ 3.625 3.750 APR 4.477 ------ ------ ------ 3.623 3.747 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.375 3.750 4.250 3.750 ------ ------ APR 4.433 3.814 4.330 3.843 ------ ------ ************* 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 4.375 3.750 4.250 3.750 ------ ------ >$417K 4.750 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.875 4.375 3.875 ------ ------ >$417K 4.875 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.990 3.250 3.250 3.625 APR 4.118 3.311 4.051 3.338 3.306 3.656 >$417K 4.500 ------ ------ ------ 3.625 3.750 APR 4.482 ------ ------ ------ 3.627 3.752 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 3.750 ------ ------ APR 4.493 3.830 4.395 3.865 ------ ------ ************* 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 4.375 3.625 4.250 3.625 4.250 4.625 >$417K ------ ------ ------ ------ 4.000 4.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 3.750 ------ ------ >$417K ------ ------ ------ ------ ------ 4.250 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.990 3.250 3.375 3.625 APR 4.133 3.337 4.074 3.376 3.419 3.673 >$417K 4.500 ------ ------ ------ 3.750 3.750 APR 4.488 ------ ------ ------ 3.775 3.758 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 3.750 ------ ------ APR 4.508 3.856 4.408 3.904 ------ ------ ************* 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 4.250 3.500 4.125 3.625 3.625 3.875 >$417K 4.625 ------ ------ ------ 3.750 3.875 Jumbo 4.500 ------ ------ ------ 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 3.625 4.125 3.750 4.000 4.250 >$417K 4.625 ------ ------ ------ 3.875 4.000 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.990 3.250 3.250 3.500 APR 4.122 3.265 3.988 3.307 3.263 3.516 >$417K 4.500 ------ ------ ------ 3.625 3.750 APR 4.479 ------ ------ ------ 3.624 3.748 Jumbo 4.375 4.250 ------ ------ 3.500 3.625 APR 4.368 4.262 ------ ------ 3.500 3.623 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.375 4.125 ------ ------ APR 4.514 3.778 4.344 4.145 ------ ------

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