【房贷利率】9月15日星期四 | Welcome

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【房贷利率】9月15日星期四

奇虎贷款利率

奇虎贷款-100436 09/15 5467

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的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（09月15日星期四)开盘时的房贷利率价格和上个工作日相比稍差。目前
重新贷款40万左右的利率，30年固定利率上涨至3.500%，15年固定利率稳定在2.750%，
5/1 ARM稳定在3.000%。购房贷款40万左右，30年固定利率上涨至3.500%，15年固定
利率稳定在2.625%，5/1 ARM稳定在2.750%.
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 3.500 2.750 3.250 2.625 3.000 3.250
>$417K 3.625 2.875 3.500 2.875 3.375 3.375
Jumbo 4.000 3.500 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.125 3.500
>$417K 3.990 3.375 3.875 ------ 3.500 3.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.386 2.660 3.195 2.608 2.789 2.924
>$417K 3.450 2.750 3.375 2.750 3.125 3.125
APR 3.487 2.798 3.406 2.830 3.152 3.158
Jumbo 3.750 3.250 ------ ------ 3.125 3.000
APR 3.789 3.304 ------ ------ 3.149 3.040
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 2.990 3.500 3.000 3.625 3.625
APR 3.737 3.071 3.517 3.064 3.659 3.674
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
<=$417K 3.450 2.750 3.250 2.625 2.875 3.125
>$417K 4.000 3.625 ------ ------ 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.125 3.375
>$417K 4.000 3.625 ------ ------ 3.375 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.279 2.600 3.139 2.494 2.757 2.897
>$417K 3.750 3.375 ------ ------ 3.000 3.000
APR 3.764 3.379 ------ ------ 3.011 3.017
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.000 3.500 3.625
APR 3.652 3.010 3.469 2.991 3.525 3.640
* 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
<=$417K 3.500 2.750 3.250 2.750 3.125 3.375
>$417K 4.500 ------ ------ ------ 3.375 ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.250 3.625
>$417K 4.625 ------ ------ ------ 3.500 ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.282 2.606 3.144 2.504 2.761 2.901
>$417K 3.750 3.375 ------ ------ 3.000 3.000
APR 3.767 3.384 ------ ------ 3.014 3.019
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.000 3.500 3.625
APR 3.656 3.017 3.475 3.001 3.529 3.644
* 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 3.500 2.875 3.375 2.750 3.125 3.500
>$417K 4.500 ------ ------ ------ 3.375 ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.125 3.750 3.750
>$417K 4.625 ------ ------ ------ 3.500 ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.360 2.655 3.164 2.569 2.769 2.923
>$417K 3.750 3.375 ------ ------ 3.000 3.000
APR 3.763 3.376 ------ ------ 3.010 3.015
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 2.875 3.500 3.625
APR 3.660 3.066 3.513 2.992 3.539 3.671
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 3.625 3.000 3.500 2.875 3.750 3.750
>$417K ------ ------ ------ ------ 3.750 ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 ------ 4.250
>$417K 4.125 4.125 ------ ------ ------ 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.368 2.676 3.191 2.563 2.785 2.920
>$417K 3.750 3.375 ------ ------ 3.000 3.000
APR 3.767 3.385 ------ ------ 3.014 3.020
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 2.875 3.625 3.625
APR 3.669 3.088 3.530 3.015 3.669 3.684
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
<=$417K 3.625 2.875 3.500 2.750 3.250 3.625
>$417K ------ ------ ------ ------ 3.500 ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.625 3.000 3.625 3.875
>$417K 4.625 ------ ------ ------ 3.625 ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.750 2.875
APR 3.383 2.705 3.204 2.599 2.798 2.933
>$417K 3.750 3.375 ------ ------ 3.000 3.000
APR 3.773 3.395 ------ ------ 3.020 3.025
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 2.875 3.625 3.750
APR 3.684 3.117 3.553 3.053 3.676 3.805
* 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
<=$417K 3.450 2.750 3.250 2.625 2.875 3.125
>$417K 4.000 3.625 ------ ------ 3.250 3.250
Jumbo 3.875 3.375 ------ ------ 3.125 3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.125 3.375
>$417K 4.000 3.625 ------ ------ 3.375 3.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.750 2.875
APR 3.278 2.599 3.142 2.483 2.754 2.896
>$417K 3.750 3.375 ------ ------ 3.000 3.000
APR 3.764 3.378 ------ ------ 3.011 3.016
Jumbo 3.750 3.250 ------ ------ 3.000 3.000
APR 3.739 3.251 ------ ------ 2.997 2.992
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.990 3.500 3.000 3.500 3.625
APR 3.652 3.009 3.469 3.066 3.524 3.639

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

NMLS ID 1169300 CA BRE Lic 01950932

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