【房贷利率】1月4日星期三
奇虎贷款-100436 01/04 5696
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(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%.
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 | |
<=$424K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
>$424K | 4.200 | 3.625 | 4.125 | 3.500 | 3.750 | 4.000 |
Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.875 | 3.375 | 3.750 | 3.990 |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 |
APR | 4.009 | 3.258 | 3.793 | 3.231 | 3.035 | 3.403 |
>$424K | 4.125 | 3.500 | 4.000 | 3.375 | 3.375 | 3.750 |
APR | 4.138 | 3.530 | 4.032 | 3.455 | 3.415 | 3.780 |
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.264 | 3.802 | ------ | ------ | 3.409 | 3.659 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 |
APR | 4.401 | 3.706 | 4.198 | 3.743 | 4.173 | 4.298 |
************** MARYLAND *************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) | ||||||
PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
>$424K | 4.375 | 4.125 | ------ | ------ | 3.625 | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.875 |
>$424K | 4.375 | 4.250 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
APR | 3.969 | 3.205 | 3.754 | 3.158 | 2.998 | 3.271 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
APR | 4.239 | 3.892 | ------ | ------ | 3.385 | 3.635 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 |
APR | 4.371 | 3.655 | 4.158 | 3.669 | 4.026 | 4.010 |
************** VIRGINIA **************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) | ||||||
PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
>$424K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.000 | 3.500 | 4.000 | 3.990 |
>$424K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
APR | 3.973 | 3.212 | 3.759 | 3.168 | 3.002 | 3.275 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
APR | 4.242 | 3.897 | ------ | ------ | 3.387 | 3.637 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.125 | 3.625 | 4.000 | 3.990 |
APR | 4.282 | 3.662 | 4.163 | 3.679 | 4.030 | 4.014 |
************* 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 | |
<=$424K | 4.125 | 3.375 | 4.000 | 3.375 | 3.875 | 3.990 |
>$424K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | 4.375 |
>$424K | 5.000 | ------ | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 |
APR | 4.001 | 3.206 | 3.792 | 3.230 | 3.028 | 3.396 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
APR | 4.237 | 3.890 | ------ | ------ | 3.383 | 3.633 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.125 | 3.625 | 4.125 | 3.990 |
APR | 4.287 | 3.670 | 4.190 | 3.691 | 4.166 | 4.042 |
************* 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-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.125 | 3.500 | ------ | 4.500 |
>$424K | 4.625 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.750 | 4.125 | 3.750 | ------ | ------ |
>$424K | 4.750 | ------ | ------ | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.990 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 |
APR | 4.035 | 3.222 | 3.758 | 3.167 | 3.040 | 3.408 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
APR | 4.242 | 3.898 | ------ | ------ | 3.388 | 3.638 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 |
APR | 4.296 | 3.686 | 4.163 | 3.720 | 4.179 | 4.303 |
************* 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 | |
<=$424K | 4.250 | 3.500 | 4.000 | 3.500 | 4.000 | 3.990 |
>$424K | ------ | ------ | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | 4.625 |
>$424K | ------ | ------ | ------ | ------ | 4.000 | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.990 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 |
APR | 4.052 | 3.248 | 3.807 | 3.254 | 3.056 | 3.424 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
APR | 4.248 | 3.908 | ------ | ------ | 3.393 | 3.643 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 |
APR | 4.311 | 3.713 | 4.212 | 3.752 | 4.196 | 4.320 |
************** 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-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.375 | 3.875 | 3.250 | 3.375 | 3.625 |
>$424K | 4.375 | 4.125 | ------ | ------ | 3.625 | 3.875 |
Jumbo | 4.250 | 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 | |
<=$424K | 4.125 | 3.500 | 3.875 | 3.250 | 3.625 | 3.875 |
>$424K | 4.375 | 4.125 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.950 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
APR | 3.969 | 3.204 | 3.753 | 3.136 | 2.997 | 3.271 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.375 | 3.625 |
APR | 4.239 | 3.892 | ------ | ------ | 3.384 | 3.634 |
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.250 | 3.625 |
APR | 4.213 | 3.749 | ------ | ------ | 3.260 | 3.609 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.375 | 3.625 | 4.125 | 3.750 | 4.000 | 3.990 |
APR | 4.385 | 3.659 | 4.157 | 3.782 | 4.025 | 4.010 |
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