【房贷利率】12月23日星期五 | 奇虎贷款

【房贷利率】12月23日星期五

🌟奇虎贷款利率

奇虎贷款-100436 12/23 6745

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23日星期五)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4.125%，15年固定利率保持在3.375%，
5/1 ARM利率下降至3.500%。购房贷款40万左右，30年固定利率保持在4.125%，15年固定
利率保持在3.250%，5/1 ARM利率保持在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 3.375 4.000 3.375 3.500 3.750
>$417K 4.375 3.625 4.250 3.625 3.875 4.000
Jumbo 4.375 4.000 ------ ------ 3.625 3.875
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 3.875 4.000
>$417K 4.500 ------ 4.625 ------ 4.000 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.250 3.250 3.500
APR 4.119 3.312 3.999 3.340 3.295 3.541
>$417K 4.375 3.500 4.125 3.500 3.500 3.750
APR 4.381 3.559 4.132 3.549 3.543 3.786
Jumbo 4.250 3.750 ------ ------ 3.500 3.625
APR 4.283 3.792 ------ ------ 3.520 3.666
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 4.375 4.500
APR 4.505 3.832 4.329 3.868 4.425 4.551
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 3.375 4.000 3.375 3.500 3.750
>$417K 4.500 4.125 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.750 4.000
>$417K 4.500 4.250 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.250 3.250 3.500
APR 4.090 3.262 3.953 3.267 3.262 3.508
>$417K 4.375 3.875 ------ ------ 3.375 3.750
APR 4.363 3.878 ------ ------ 3.374 3.742
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 4.375 4.500
APR 4.475 3.780 4.289 3.794 4.391 4.516
* 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 3.625 3.875
>$417K 4.625 4.375 ------ ------ 3.875 4.000
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 4.000 4.250
>$417K 4.625 ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 4.000 3.250 3.250 3.500
APR 4.031 3.268 3.958 3.277 3.266 3.512
>$417K 4.375 3.875 ------ ------ 3.500 3.750
APR 4.366 3.883 ------ ------ 3.498 3.745
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 4.250 4.375
APR 4.407 3.787 4.294 3.804 4.280 4.403
* 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 3.875 4.000
>$417K 4.625 4.375 ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.250 3.875 ------ ------
>$417K 4.625 ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.500
APR 4.036 3.277 3.930 3.289 3.274 3.520
>$417K 4.375 3.875 ------ ------ 3.500 3.750
APR 4.364 3.879 ------ ------ 3.494 3.741
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 4.375 4.500
APR 4.412 3.726 4.301 3.771 4.403 4.529
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 3.625 4.250 3.625 ------ ------
>$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 4.000 3.250 4.000 3.250 3.250 3.500
APR 4.045 3.292 3.991 3.312 3.293 3.540
>$417K 4.375 3.875 ------ ------ 3.500 3.750
APR 4.366 3.884 ------ ------ 3.499 3.745
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 4.375 4.500
APR 4.421 3.811 4.313 3.839 4.424 4.550
* 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 3.625 4.125 3.625 4.000 4.125
>$417K 4.625 ------ ------ ------ 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 3.750 4.250 3.750 4.375 4.500
>$417K 4.625 ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 4.000 3.250 3.250 3.500
APR 4.060 3.319 4.011 3.350 3.302 3.549
>$417K 4.375 3.875 ------ ------ 3.500 3.750
APR 4.372 3.894 ------ ------ 3.504 3.751
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 4.375 4.500
APR 4.436 3.838 4.334 3.877 4.433 4.560
* 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 4.000 3.500 3.500 3.625
>$417K 4.500 4.125 ------ ------ 3.625 3.875
Jumbo 4.375 4.000 ------ ------ 3.500 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 3.750 4.000
>$417K 4.500 4.250 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.250 3.500
APR 4.147 3.386 3.908 3.294 3.259 3.505
>$417K 4.375 3.875 ------ ------ 3.500 3.750
APR 4.363 3.878 ------ ------ 3.495 3.742
Jumbo 4.250 3.750 ------ ------ 3.375 3.625
APR 4.252 3.739 ------ ------ 3.369 3.620
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.875 4.250 3.875 4.375 4.500
APR 4.591 3.915 4.286 3.921 4.387 4.512

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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