【房贷利率】1月11日星期三
奇虎贷款-100436 01/11 8719
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11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4.000%,15年固定利率保持在3.250%,
5/1 ARM利率保持在3.375%。购房贷款40万左右,30年固定利率保持在3.875%,15年固定
利率保持在3.125%,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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.500 |
>$424K | 4.200 | 3.375 | 4.000 | 3.375 | 3.625 | 3.875 |
Jumbo | 4.125 | 3.625 | ------ | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
>$424K | 4.375 | 3.875 | 4.375 | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 3.921 | 3.169 | 3.765 | 3.102 | 3.032 | 3.300 |
>$424K | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
APR | 4.044 | 3.285 | 3.917 | 3.322 | 3.414 | 3.666 |
Jumbo | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.115 | 3.541 | ------ | ------ | 3.290 | 3.535 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 |
APR | 4.265 | 3.581 | 4.146 | 3.617 | 4.169 | 4.039 |
************* 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 |
>$424K | 4.250 | 3.750 | ------ | ------ | 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 | 3.375 | 3.875 | 3.250 | 3.625 | 3.625 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 2.990 | 2.990 | 3.250 |
APR | 3.892 | 3.119 | 3.725 | 3.053 | 2.995 | 3.262 |
>$424K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.500 |
APR | 4.111 | 3.599 | ------ | ------ | 3.267 | 3.511 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 |
APR | 4.236 | 3.530 | 4.106 | 3.544 | 4.022 | 4.000 |
************ 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.750 | 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 | 4.000 | 3.375 | 3.750 | 3.875 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 2.990 | 2.990 | 3.250 |
APR | 3.886 | 3.125 | 3.731 | 3.062 | 2.998 | 3.266 |
>$424K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.500 |
APR | 4.114 | 3.603 | ------ | ------ | 3.269 | 3.513 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 4.000 | 3.990 |
APR | 4.229 | 3.537 | 4.111 | 3.553 | 4.026 | 4.004 |
************** 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 | 3.875 | 3.375 | 3.625 | 3.750 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 |
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 | 3.500 | ------ | 4.375 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.000 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 3.890 | 3.081 | 3.751 | 3.047 | 3.025 | 3.290 |
>$424K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.500 |
APR | 4.112 | 3.600 | ------ | ------ | 3.265 | 3.509 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 |
APR | 4.172 | 3.545 | 4.117 | 3.566 | 4.162 | 4.032 |
************ 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 | 4.125 | 3.500 | 4.000 | 3.500 | ------ | 4.375 |
>$424K | 4.500 | 4.375 | ------ | ------ | ------ | 4.125 |
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 | ------ | ------ |
>$424K | 4.500 | ------ | ------ | ------ | ------ | 4.125 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.000 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 3.899 | 3.096 | 3.730 | 3.095 | 3.037 | 3.305 |
>$424K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.500 |
APR | 4.114 | 3.604 | ------ | ------ | 3.270 | 3.514 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 |
APR | 4.181 | 3.561 | 4.134 | 3.588 | 4.175 | 4.045 |
************* 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 | 4.125 | 3.375 | 3.875 | 3.375 | 3.750 | 3.875 |
>$424K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.250 | 3.500 | 4.125 | 3.500 | 4.125 | 4.125 |
>$424K | 4.375 | 4.125 | ------ | ------ | 3.875 | 4.000 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.000 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 3.914 | 3.122 | 3.778 | 3.122 | 3.053 | 3.321 |
>$424K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.500 |
APR | 4.120 | 3.614 | ------ | ------ | 3.275 | 3.519 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 4.125 | 3.500 | 4.125 | 3.500 | 4.125 | 3.990 |
APR | 4.196 | 3.587 | 4.151 | 3.627 | 4.192 | 4.062 |
************* 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 |
>$424K | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.750 |
Jumbo | 4.125 | 3.625 | ------ | ------ | 3.625 | 3.625 |
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 | 3.500 | 3.625 |
>$424K | 4.250 | 3.875 | ------ | ------ | 3.625 | 3.750 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$424K | 3.875 | 3.125 | 3.750 | 2.990 | 2.990 | 3.250 |
APR | 3.901 | 3.146 | 3.725 | 3.051 | 2.994 | 3.262 |
>$424K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.500 |
APR | 4.111 | 3.598 | ------ | ------ | 3.266 | 3.510 |
Jumbo | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.085 | 3.488 | ------ | ------ | 3.242 | 3.486 |
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 | 4.280 | 3.658 | 4.104 | 3.658 | 4.022 | 3.999 |
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