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【房贷利率】11月16日星期三

奇虎贷款利率

奇虎贷款-100436 11/16 4415

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（11月16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3.875%，15年固定利率保持在3.125%，
5/1 ARM稳定在3.250%。购房贷款40万左右，30年固定利率保持在3.750%，15年固定
利率保持在2.875%，5/1 ARM保持在3.000%.
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 3.750 3.000 3.250 3.500
>$417K 4.000 3.250 4.000 3.250 3.625 4.000
Jumbo 4.375 4.000 ------ ------ 3.375 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 3.625 4.125
>$417K 4.875 3.750 4.375 ------ 3.625 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.375
APR 3.781 2.966 3.640 2.955 3.051 3.426
>$417K 3.990 3.125 3.875 3.250 3.250 3.500
APR 4.024 3.148 3.901 3.188 3.292 3.528
Jumbo 4.250 3.750 ------ ------ 3.250 3.375
APR 4.258 3.821 ------ ------ 3.268 3.403
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 4.250 ------
APR 4.150 3.437 4.022 3.466 4.295 ------
* 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 3.875 3.000 3.625 3.000 3.250 3.500
>$417K 4.250 4.250 ------ ------ 3.375 3.625
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 3.625 4.000
>$417K 4.250 4.375 ------ ------ 3.500 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.375
APR 3.753 2.916 3.597 2.882 3.019 3.388
>$417K 4.125 3.875 ------ ------ 3.250 3.375
APR 4.128 3.885 ------ ------ 3.245 3.379
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 4.125 4.375
APR 4.121 3.387 3.968 3.392 4.152 4.400
* 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 3.875 3.125 3.750 3.125 3.500 3.500
>$417K 4.250 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.750 4.250
>$417K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.375
APR 3.750 2.922 3.602 2.891 3.022 3.392
>$417K 4.125 3.875 ------ ------ 3.250 3.375
APR 4.131 3.890 ------ ------ 3.247 3.381
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 4.125 4.375
APR 4.115 3.394 3.973 3.402 4.156 4.404
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 4.000 3.250 3.875 3.125 3.625 4.125
>$417K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.500 3.990 3.375 ------ ------
>$417K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.375
APR 3.755 2.937 3.641 2.953 3.030 3.419
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.231 3.893 ------ ------ 3.243 3.377
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.990 3.250 4.125 4.625
APR 4.057 3.350 4.012 3.395 4.164 4.663
* 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 3.250 3.875 3.250 ------ ------
>$417K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.500 ------ ------
>$417K 4.500 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.750 3.000 3.375
APR 3.756 2.922 3.605 2.870 3.049 3.431
>$417K 4.125 3.875 ------ ------ 3.250 3.375
APR 4.131 3.890 ------ ------ 3.248 3.382
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 4.250 ------
APR 4.129 3.418 4.030 3.437 4.294 ------
* 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 4.000 3.250 3.875 3.250 3.750 4.250
>$417K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.000 3.375 4.250 4.625
>$417K 4.375 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.500
APR 3.778 2.979 3.653 2.980 3.058 3.480
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.242 3.901 ------ ------ 3.253 3.387
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 4.125 4.625
APR 4.144 3.444 4.053 3.475 4.194 4.693
* 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 3.875 3.000 3.625 3.000 3.250 3.500
>$417K 4.250 4.250 ------ ------ 3.375 3.625
Jumbo 4.250 4.000 ------ ------ 3.250 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 3.500 3.990
>$417K 4.375 4.375 ------ ------ 3.500 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.375
APR 3.752 2.915 3.596 2.880 3.015 3.388
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.233 3.885 ------ ------ 3.244 3.378
Jumbo 4.125 3.750 ------ ------ 3.125 3.250
APR 4.123 3.768 ------ ------ 3.118 3.257
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.200 3.375 3.990 3.500 4.125 4.375
APR 4.210 3.411 3.967 3.520 4.148 4.399

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

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