【房贷利率】1月4日星期三


奇虎贷款-100436  01/04   5696  
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
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(1月4日 星期三)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年固定利率下降至3.250%,
5/1 ARM利率保持在3.500%。购房贷款40万左右,30年固定利率保持在3.950%,15年固定
利率保持在3.250%,5/1 ARM利率保持在2.990%.

: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
<=$424K4.1253.2503.8753.2503.5003.625
>$424K4.2003.6254.1253.5003.7504.000
Jumbo4.3754.000------------3.6253.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.3753.7503.990
>$424K4.5004.2504.625------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1252.9903.375
APR4.0093.2583.7933.2313.0353.403
>$424K4.1253.5004.0003.3753.3753.750
APR4.1383.5304.0323.4553.4153.780
Jumbo4.2503.750------------3.3753.625
APR4.2643.802------------3.4093.659
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.1253.6254.1254.250
APR4.4013.7064.1983.7434.1734.298
************** 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
<=$424K4.1253.2503.8753.2503.3753.625
>$424K4.3754.125------------3.6253.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.2503.6253.875
>$424K4.3754.250------------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1252.9903.250
APR3.9693.2053.7543.1582.9983.271
>$424K4.2503.875------------3.3753.625
APR4.2393.892------------3.3853.635
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.1253.6254.0003.990
APR4.3713.6554.1583.6694.0264.010
************** 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
<=$424K4.1253.3753.8753.2503.6253.750
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.0003.5004.0003.990
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1252.9903.250
APR3.9733.2123.7593.1683.0023.275
>$424K4.2503.875------------3.3753.625
APR4.2423.897------------3.3873.637
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.6254.0003.990
APR4.2823.6624.1633.6794.0304.014
************* 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
<=$424K4.1253.3754.0003.3753.8753.990
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.7504.1253.625------4.375
>$424K5.000------------------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.1253.7503.1252.9903.375
APR4.0013.2063.7923.2303.0283.396
>$424K4.2503.875------------3.3753.625
APR4.2373.890------------3.3833.633
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.6254.1253.990
APR4.2873.6704.1903.6914.1664.042
************* 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
<=$424K4.2503.6254.1253.500------4.500
>$424K4.625------------------------------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.7504.1253.750------------
>$424K4.750------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9903.1253.7503.1252.9903.375
APR4.0353.2223.7583.1673.0403.408
>$424K4.2503.875------------3.3753.625
APR4.2423.898------------3.3883.638
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.6254.1254.250
APR4.2963.6864.1633.7204.1794.303
************* 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
<=$424K4.2503.5004.0003.5004.0003.990
>$424K------------------------3.8754.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.625------4.625
>$424K------------------------4.0004.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9903.1253.7503.1252.9903.375
APR4.0523.2483.8073.2543.0563.424
>$424K4.2503.875------------3.3753.625
APR4.2483.908------------3.3933.643
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.6254.1254.250
APR4.3113.7134.2123.7524.1964.320
************** 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
<=$424K4.1253.3753.8753.2503.3753.625
>$424K4.3754.125------------3.6253.875
Jumbo4.2504.000------------3.5003.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5003.8753.2503.6253.875
>$424K4.3754.125------------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.9503.2503.7503.1252.9903.250
APR3.9693.2043.7533.1362.9973.271
>$424K4.2503.875------------3.3753.625
APR4.2393.892------------3.3843.634
Jumbo4.2503.750------------3.2503.625
APR4.2133.749------------3.2603.609
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.3753.6254.1253.7504.0003.990
APR4.3853.6594.1573.7824.0254.010


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