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【房贷利率】12月06日星期二

奇虎贷款利率

奇虎贷款-100436 12/06 6698

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（12月06日星期二)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年固定利率下降为4.000%，15年固定利率保持在3.250%，
5/1 ARM下降至3.375%。购房贷款40万左右，30年固定利率下降至3.875%，15年固定
利率下降至3.125%，5/1 ARM利率稳下降至2.990%.
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 4.000 3.250 3.750 3.125 3.375 3.625
>$417K 4.250 3.500 4.125 3.500 3.625 3.750
Jumbo 4.375 4.000 ------ ------ 3.500 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.625 3.875
>$417K 4.500 ------ 4.625 ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 2.990 3.375
APR 3.917 3.205 3.669 3.053 3.043 3.400
>$417K 4.125 3.375 4.000 3.250 3.375 3.500
APR 4.141 3.400 4.032 3.354 3.411 3.534
Jumbo 4.250 3.750 ------ ------ 3.250 3.375
APR 4.264 3.820 ------ ------ 3.284 3.415
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 ------ 4.250
APR 4.297 3.599 4.031 3.644 ------ 4.305
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 4.000 3.250 3.750 3.125 3.375 3.500
>$417K 4.375 4.125 ------ ------ 3.500 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.625 3.875
>$417K 4.375 4.125 ------ ------ 3.625 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 2.990 3.250
APR 3.888 3.155 3.615 2.981 3.006 3.269
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.239 3.898 ------ ------ 3.260 3.391
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 3.875 4.250
APR 4.267 3.548 3.977 3.570 3.899 4.265
* 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 4.000 3.250 3.875 3.250 3.500 3.750
>$417K 5.000 ------ ------ ------ 3.750 3.750
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 3.500 3.750 4.125
>$417K 5.000 ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 2.990 3.250
APR 3.892 3.161 3.620 2.990 3.010 3.273
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.242 3.902 ------ ------ 3.263 3.394
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 3.875 4.250
APR 4.261 3.555 3.982 3.580 3.903 4.269
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 4.125 3.375 3.875 3.250 3.750 3.990
>$417K 5.000 ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.750 3.990 3.625 ------ 4.375
>$417K 5.000 ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 2.990 3.250
APR 3.911 3.170 3.659 3.052 3.036 3.300
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.238 3.895 ------ ------ 3.259 3.390
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 4.375 4.250
APR 4.266 3.564 4.021 3.592 4.414 4.298
* 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 4.250 3.500 3.990 3.500 ------ ------
>$417K ------ ------ ------ ------ ------ 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.625 ------ ------
>$417K ------ ------ ------ ------ 3.875 ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 2.875 3.125 3.375
APR 3.891 3.172 3.676 2.995 3.157 3.406
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.242 3.903 ------ ------ 3.263 3.394
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 ------ 4.250
APR 4.275 3.579 4.039 3.615 ------ 4.311
* 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 4.125 3.375 3.990 3.375 3.875 4.250
>$417K 5.000 ------ ------ ------ 3.750 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 ------ ------
>$417K 5.125 ------ ------ ------ 3.875 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.125 3.375
APR 3.927 3.211 3.699 3.079 3.173 3.422
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.248 3.914 ------ ------ 3.269 3.400
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 4.375 4.375
APR 4.290 3.606 4.062 3.653 4.445 4.433
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 4.000 3.250 3.750 3.125 3.375 3.500
>$417K 4.375 4.125 ------ ------ 3.500 3.625
Jumbo 4.250 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 4.125 3.375 3.875 3.250 3.625 3.875
>$417K 4.500 4.125 ------ ------ 3.625 3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 2.990 3.250
APR 3.887 3.165 3.614 2.979 3.006 3.269
>$417K 4.250 3.875 ------ ------ 3.250 3.375
APR 4.239 3.897 ------ ------ 3.260 3.391
Jumbo 4.250 3.750 ------ ------ 3.125 3.375
APR 4.213 3.767 ------ ------ 3.116 3.366
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.300 3.625 3.990 3.750 3.875 4.250
APR 4.325 3.631 3.976 3.783 3.899 4.265

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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