【方圆贷款利率】1月11日星期一

奇虎贷款-100436 01/11 7504

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-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.625	3.000	3.000	3.500
>$417K	4.000	3.125	3.750	3.125	3.125	3.500
Jumbo	4.125	3.750	4.250	------	3.000	3.500

PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.750	3.125	3.125	3.625
>$417K	4.250	3.625	4.375	4.125	3.125	3.500

PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.500	2.875	2.750	3.000
APR	3.772	3.021	3.573	2.957	2.799	3.051

>$417K	4.000	3.125	3.625	3.000	3.000	3.375
APR	4.005	3.176	3.683	3.090	3.019	3.415

Jumbo	4.000	3.500	4.125	------	2.875	3.250
APR	4.016	3.573	4.162	------	2.900	3.290

INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.375	3.000	3.375
APR	4.051	3.469	3.947	3.432	3.028	3.424

***************************** 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	3.875	3.250	3.750	3.125	3.375	3.750
>$417K	4.375	4.375	4.625	------	3.250	3.625

PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.875	3.375	------	4.125
>$417K	4.375	3.875	4.625	------	3.250	3.625

PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.875	2.875	3.000
APR	3.675	2.946	3.536	2.900	2.904	3.048

>$417K	4.000	3.500	4.125	------	2.875	3.250
APR	4.008	3.518	4.150	------	2.892	3.260

INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	2.875	3.375
APR	4.042	3.428	3.909	3.380	2.924	3.416

***************************** 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-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	------	4.500
>$417K	4.750	------	------	------	3.500	4.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	3.950	3.375	------	------
>$417K	4.750	------	------	------	3.500	4.000

PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.500	2.875	2.875	3.000
APR	3.748	2.961	3.560	2.922	2.902	3.047

>$417K	4.000	3.500	4.125	------	2.875	3.250
APR	4.009	3.515	4.150	------	2.892	3.258

INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.375	2.875	3.375
APR	4.043	3.444	3.934	3.396	2.925	3.416

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

----------------------------
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

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【方圆贷款利率】1月11日 星期一

【方圆贷款利率】1月11日星期一