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【房贷利率】1月3日星期二

奇虎贷款利率

奇虎贷款-100436 01/03 5582

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（1月3日星期二)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4.125%，15年固定利率上升至3.375%，
5/1 ARM利率保持在3.500%。购房贷款40万左右，30年固定利率保持在3.990%，15年固定
利率保持在3.250%，5/1 ARM利率保持在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
<=$424K 4.125 3.375 3.875 3.250 3.500 3.750
>$424K 4.250 3.625 4.125 3.625 3.875 4.000
Jumbo 4.375 4.000 ------ ------ 3.625 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 3.875 3.375 3.875 3.990
>$424K 4.500 4.250 4.625 ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.040 3.276 3.793 3.231 3.039 3.410
>$424K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.150 3.528 4.025 3.459 3.540 3.787
Jumbo 4.250 3.875 ------ ------ 3.375 3.625
APR 4.276 3.925 ------ ------ 3.415 3.667
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.625 4.125 4.250
APR 4.411 3.725 4.198 3.769 4.178 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
<=$424K 4.125 3.375 3.875 3.250 3.500 3.625
>$424K 4.375 4.250 ------ ------ 3.625 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.250 3.750 3.875
>$424K 4.375 4.250 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.001 3.222 3.754 3.158 3.002 3.278
>$424K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.251 3.982 ------ ------ 3.391 3.643
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.625 4.125 3.990
APR 4.382 3.677 4.158 3.695 4.138 4.017
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
<=$424K 4.125 3.375 3.875 3.250 3.625 3.750
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.500 4.000 3.500 4.000 3.990
>$424K ------ ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.005 3.229 3.759 3.168 3.006 3.282
>$424K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.253 3.987 ------ ------ 3.394 3.645
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.625 4.125 3.990
APR 4.375 3.684 4.163 3.705 4.142 4.021
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
<=$424K 4.125 3.500 4.000 3.375 3.875 3.990
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.125 3.625 ------ 4.500
>$424K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.033 3.241 3.792 3.230 3.032 3.403
>$424K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.249 3.979 ------ ------ 3.390 3.641
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.125 4.250
APR 4.297 3.689 4.197 3.717 4.170 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
<=$424K 4.250 3.625 4.125 3.500 ------ 4.500
>$424K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.750 4.125 3.750 ------ ------
>$424K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.046 3.243 3.758 3.167 3.044 3.415
>$424K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.254 3.987 ------ ------ 3.394 3.646
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.125 4.250
APR 4.306 3.705 4.163 3.720 4.183 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
<=$424K 4.250 3.500 4.000 3.500 4.125 4.250
>$424K ------ ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.625 ------ 4.625
>$424K ------ ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.063 3.282 3.807 3.256 3.060 3.431
>$424K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.260 3.998 ------ ------ 3.400 3.651
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.625 4.125 3.625 4.125 4.375
APR 4.322 3.731 4.212 3.779 4.200 4.441
* 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
<=$424K 4.125 3.375 3.875 3.250 3.500 3.625
>$424K 4.375 4.250 ------ ------ 3.625 3.875
Jumbo 4.250 4.000 ------ ------ 3.500 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.250 3.750 3.875
>$424K 4.375 4.250 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.001 3.221 3.753 3.157 3.001 3.277
>$424K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.250 3.981 ------ ------ 3.391 3.642
Jumbo 4.250 3.875 ------ ------ 3.375 3.625
APR 4.225 3.872 ------ ------ 3.366 3.617
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.625 4.125 3.750 4.125 3.990
APR 4.398 3.676 4.157 3.782 4.138 4.017

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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