【方圆贷款利率】1月11日 星期一

    奇虎贷款利率    

奇虎贷款-100436  01/11   7357  
4.0/1 

                              

注： 方圆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) H1B Visa的Jumbo loan;
(3) 纯外国人贷款.
SUMMARY：今天（1月11日星期一）的房贷利率价格和上周五相比基本持平，目前重新贷款40万左右的利率，30年固定维持在3.875%，
15 年固定升至3.125%，5/1 ARM仍为3.00%。购房贷款40万左右，30年固定的利率仍为3.75%，15年固定升至3.00%，5/1 ARM仍为2.75%。

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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.1253.6253.0003.0003.500
>$417K4.0003.1253.7503.1253.1253.500
Jumbo4.1253.7504.250------3.0003.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.2503.7503.1253.1253.625
>$417K4.2503.6254.3754.1253.1253.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.0003.5002.8752.7503.000
APR3.7723.0213.5732.9572.7993.051
>$417K4.0003.1253.6253.0003.0003.375
APR4.0053.1763.6833.0903.0193.415
Jumbo4.0003.5004.125------2.8753.250
APR4.0163.5734.162------2.9003.290
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.3753.0003.375
APR4.0513.4693.9473.4323.0283.424
******************************* 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
<=$417K3.8753.2503.7503.1253.3753.750
>$417K4.3754.3754.625------3.2503.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.5003.8753.375------4.125
>$417K4.3753.8754.625------3.2503.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.5002.8752.8753.000
APR3.6752.9463.5362.9002.9043.048
>$417K4.0003.5004.125------2.8753.250
APR4.0083.5184.150------2.8923.260
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2502.8753.375
APR4.0423.4283.9093.3802.9243.416
******************************* 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
<=$417K4.0003.3753.8753.250------4.500
>$417K4.750------------------3.5004.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.5003.9503.375------------
>$417K4.750------------------3.5004.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.8753.5002.8752.8753.000
APR3.7482.9613.5602.9222.9023.047
>$417K4.0003.5004.125------2.8753.250
APR4.0093.5154.150------2.8923.258
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.3752.8753.375
APR4.0433.4443.9343.3962.9253.416
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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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。

方圆贷款NMLS ID: 231959      

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方圆贷款目前能做CA、FL、TX等3个州的房屋贷款，欢迎查询：

Circle Square Mortgage（方圆贷款）

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 122
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


NMLS ID 233900, CA BRE Lic 01816259, FL Lic LO20663