【房贷利率】9月16日 星期五


奇虎贷款-100436  09/16   4995  
3.0/2 

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
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(09月16日 星期五)开盘时的房贷利率价格和上个工作日相比稍好。目前
重新贷款40万左右的利率,30年固定利率下降至3.375%,15年固定利率稳定在2.750%,
5/1 ARM下降至2.875%。购房贷款40万左右,30年固定利率下降至3.375%,15年固定
利率稳定在2.625%,5/1 ARM稳定在2.750%.

: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
<=$417K3.3752.7503.2502.6252.8753.250
>$417K3.6252.8753.5002.7503.3753.375
Jumbo3.8753.500------------3.2503.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.3752.7503.1253.500
>$417K3.9903.3753.625------3.5003.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.1252.5002.7502.875
APR3.3792.6533.1802.6012.7842.924
>$417K3.4502.7503.3752.7503.1253.125
APR3.4842.7933.3952.7733.1493.156
Jumbo3.7503.250------------3.1253.000
APR3.7763.323------------3.1493.037
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.5002.8753.5003.625
APR3.6833.0603.5133.0173.5563.669
**************** MARYLAND ******************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.6252.8753.125
>$417K3.8753.625------------3.2503.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.3752.7503.1253.375
>$417K4.0003.750------------3.3753.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5003.1252.5002.7502.875
APR3.2752.5453.1342.4872.7532.897
>$417K3.7503.375------------3.0003.000
APR3.7523.398------------3.0123.014
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.3752.8753.5003.625
APR3.6482.9993.4152.9443.5223.635
**************** VIRGINIA *****************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.2502.7503.0003.375
>$417K4.500------------------3.500------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.3752.7503.2503.500
>$417K4.625------------------3.500------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5003.1252.5002.7502.875
APR3.2782.5513.1392.4972.7562.901
>$417K3.7503.375------------3.0003.000
APR3.7543.402------------3.0143.016
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.3752.8753.5003.625
APR3.6463.0063.4202.9543.5263.638
*************** 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
<=$417K3.5002.7503.3752.7503.1253.500
>$417K4.500------------------3.375------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7003.0003.5003.0003.6253.750
>$417K4.625------------------3.500------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.5002.7502.875
APR3.3052.6473.1512.5622.7642.923
>$417K3.7503.375------------3.0003.000
APR3.7503.395------------3.0103.012
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.5002.8753.5003.625
APR3.6503.0553.5092.9663.5343.666
************** 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
<=$417K3.6253.0003.5002.8753.6253.750
>$417K------------------------3.750------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.1253.6253.000------4.125
>$417K4.1254.125------------------3.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.1252.5002.7502.875
APR3.3582.6693.1772.5412.7852.920
>$417K3.7503.375------------3.0003.000
APR3.7553.403------------3.0143.016
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.5002.8753.6253.625
APR3.6593.0773.5262.9893.6623.679
*************** GEORGIA ***************
(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
<=$417K3.5002.8753.5002.7503.2503.625
>$417K------------------------3.500------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5002.8753.5003.875
>$417K4.625------------------3.625------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.1252.5002.7502.875
APR3.3732.6983.1902.5922.7922.933
>$417K3.7503.375------------3.0003.000
APR3.7613.413------------3.0203.022
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.5002.8753.5003.625
APR3.6743.1063.5493.0273.5633.695
************** 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.6252.8753.125
>$417K3.8753.625------------3.2503.250
Jumbo3.7503.500------------3.1253.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.3752.7503.1253.375
>$417K4.0003.750------------3.3753.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5003.1252.5002.7502.875
APR3.2742.5443.1292.4752.7492.896
>$417K3.7503.375------------3.0003.000
APR3.7523.397------------3.0113.013
Jumbo3.7503.250------------3.0003.000
APR3.7263.270------------2.9972.989
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.3752.9903.5003.625
APR3.6482.9993.4143.0493.5193.634

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