【房贷利率】11月7日 星期一


奇虎贷款-100436  11/07   4527  
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
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(11月7日 星期一)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年固定利率维持在3.500%,15年固定利率稳定在2.750%,
5/1 ARM上升至3.000%。购房贷款40万左右,30年固定利率稳定在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
<=$417K3.5002.7503.3752.7503.0003.250
>$417K3.7003.0003.5002.8753.3753.375
Jumbo3.8753.500------------3.2503.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.5002.8753.2503.500
>$417K4.0003.5003.875------3.3753.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.2502.7502.7502.990
APR3.3992.7143.2462.6832.7863.022
>$417K3.5002.8753.3752.7503.1253.125
APR3.5472.9023.4322.8383.1533.164
Jumbo3.7503.250------------3.0003.125
APR3.7853.312------------3.0313.140
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.0003.5003.0003.5003.625
APR3.7753.0983.5433.1433.5543.670
*************** 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
<=$417K3.5002.7503.3752.7502.8753.250
>$417K3.8754.000------------3.2503.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.3752.8753.1253.375
>$417K4.0004.125------------3.2503.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.2502.7502.7502.990
APR3.3722.6463.1942.6112.7552.985
>$417K3.7503.375------------3.0003.125
APR3.7613.404------------3.0083.117
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7003.0003.5003.0003.5003.625
APR3.7283.0523.4903.0703.5153.631
*************** 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
<=$417K3.5002.7503.3752.7503.1253.375
>$417K4.000------------------3.3753.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.5002.8753.3753.500
>$417K4.000------------------------3.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.2502.7502.7502.990
APR3.3652.6533.1992.6212.7582.988
>$417K3.7503.375------------3.0003.125
APR3.7633.408------------3.0103.119
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7003.0003.5003.0003.5003.625
APR3.7323.0593.4953.0793.5193.635
************** 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
<=$417K3.5002.8753.5002.8753.1253.500
>$417K3.875------------------------3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8003.1253.5003.2503.6253.750
>$417K4.000------------------------3.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.2502.7502.7502.990
APR3.3702.7013.2372.6332.7663.015
>$417K3.7503.375------------3.0003.125
APR3.7593.401------------3.0063.115
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5003.0003.5003.625
APR3.6713.0633.5333.0913.5473.662
************* 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
<=$417K3.6253.0003.5003.0003.6253.750
>$417K4.125------------------------3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.1253.6253.125------4.125
>$417K4.250------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.2502.7502.7502.990
APR3.3782.7233.2542.6552.7853.027
>$417K3.7503.375------------3.0003.125
APR3.7643.409------------3.0113.120
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5003.0003.6253.625
APR3.6793.0783.5513.1143.6583.675
************** 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
<=$417K3.6252.8753.5002.8753.2503.625
>$417K4.000------------------------3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.0003.6253.0003.6253.875
>$417K4.000------------------------3.625
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.7502.7503.000
APR3.3932.7113.3032.6922.7943.058
>$417K3.7503.375------------3.0003.125
APR3.7703.419------------3.0163.125
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.6253.0003.6253.875
APR3.6943.1043.6503.1523.6793.938
************** 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
<=$417K3.6252.7503.3752.7502.8753.125
>$417K3.8754.000------------3.2503.250
Jumbo3.8753.500------------3.1253.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5003.0003.1253.375
>$417K4.0004.125------------3.2503.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.4902.7503.2502.7502.7503.000
APR3.4822.7123.2422.6792.7513.015
>$417K3.7503.375------------3.0003.125
APR3.7603.403------------3.0073.116
Jumbo3.7503.250------------2.8753.000
APR3.7353.260------------2.8832.996
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.6253.2503.6253.875
APR3.8873.2693.6393.2243.6343.892

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