【方圆贷款利率】12月31日 星期四 (Happy New Year!)

    奇虎贷款利率    

奇虎贷款-100436  12/31   6069  
4.0/1 

                

注： 方圆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，利率与公民异;
(2) H1B Visa的Jumbo loan;
(3) 纯外国人贷款.


SUMMARY：今天（12月31日星期四)开盘时的房贷利率价格和昨日相比稍好。目前重新贷款40万左右的利率，30年固定利率降低至3.875%，15年固定利率降低至3.125%，5/1 ARM利率稳定在3.375%。购房贷款40万左右，30年固定利率稳定在3.875%，15年固定利率降低至3.000%，5/1 ARM利率稳定在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 3.125 3.375 3.750
>$417K 4.000 3.375 ------ ------ 3.375 3.750
Jumbo 4.250 3.875 ------ ------ 3.250 3.750
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 ------ ------
>$417K 4.500 3.625 ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 3.000 3.375
APR 3.907 3.126 3.754 3.120 3.031 3.407
             
>$417K 4.000 3.375 ------ ------ 3.250 3.625
APR 4.066 3.395 ------ ------ 3.270 3.665
             
Jumbo 4.125 3.750 ------ ------ 3.125 3.500
APR 4.142 3.787 ------ ------ 3.150 3.540
                            
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.250 3.500
APR 4.209 3.539 4.116 3.587 3.279 3.549
 
***************** 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 3.125 3.750 3.125 3.250 3.750
>$417K 4.250 3.875 ------ ------ ------ ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.125 ------ ------
>$417K 4.250 3.750 ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 3.000 3.375
APR 3.858 3.114 3.712 3.010 3.013 3.379
             
>$417K 4.125 3.750 ------ ------ 3.125 3.500
APR 4.132 3.724 ------ ------ 3.139 3.506
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.125 3.500
APR 4.139 3.543 4.037 3.437 3.148 3.513
 
******************* 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 3.750 3.250 3.500 3.875
>$417K 4.500 3.500 ------ ------ 3.375 3.750
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 ------ ------
>$417K 4.500 4.500 ------ ------ ------ ------
             
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 3.000 3.250
APR 3.852 3.120 3.671 2.993 3.017 3.267
             
>$417K 4.250 3.750 ------ ------ 3.125 3.500
APR 4.257 3.728 ------ ------ 3.151 3.517
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.875 3.375 3.125 3.500
APR 4.122 3.495 3.990 3.447 3.151 3.517
 
******************* 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 3.250 3.625 4.125
>$417K 4.500 4.625 ------ ------ ------ ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 3.000 3.000 3.250
APR 3.874 3.098 3.703 3.143 3.053 3.289
             
>$417K 4.250 3.750 ------ ------ 3.125 3.500
APR 4.258 3.768 ------ ------ 3.128 3.508
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.000 3.375 3.125 3.500
APR 4.124 3.517 4.079 3.519 3.175 3.541
             
******************* FLORIDA *******************
(Based on Conforming Loan $300K, 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 4.125 3.500 4.000 3.375 3.625 4.250
>$417K 4.000 3.500 ------ ------ ------ ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 ------ ------
>$417K 4.250 3.750 ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 3.000 3.000 3.250
APR 3.883 3.101 3.705 3.147 3.055 3.288
             
>$417K 4.250 3.750 ------ ------ 3.125 3.500
APR 4.259 3.765 ------ ------ 3.132 3.508
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 4.125 3.375 3.125 3.500
APR 4.168 3.533 4.122 3.523 3.176 3.542
             
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): 
    - <=70% 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. (not first home buyer for purchase)
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=760;
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)
9. Rates are subject to change without notice. Credit qualification is required
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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。

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方圆贷款目前能做CA、FL、MD、TX、VA等5个州的房屋贷款，欢迎查询：

Circle Square Mortgage（方圆贷款）


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 122
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 233900, CA BRE Lic 01816259, VA Lic MLO-8946VA, MD Lic 21636, FL Lic LO20663