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09日 星期五)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4.000%，15年固定利率保持在3.250%，
5/1 ARM下降至3.500%。购房贷款40万左右，30年固定利率保持在4.000%，15年固定
利率保持在3.125%，5/1 ARM利率下降至3.125%.

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 3.875 3.250 3.500 3.750 >$417K 4.250 3.500 4.125 3.500 3.750 3.750 Jumbo 4.250 3.750 ------ ------ 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 4.000 3.375 3.875 4.000 >$417K 4.500 ------ 4.625 ------ 3.875 3.875 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.125 3.750 3.125 3.125 3.500 APR 3.994 3.205 3.828 3.242 3.177 3.545 >$417K 4.125 3.375 4.000 3.250 3.500 3.625 APR 4.173 3.435 4.046 3.355 3.531 3.651 Jumbo 4.125 3.625 ------ ------ 3.250 3.375 APR 4.142 3.661 ------ ------ 3.283 3.402 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.500 4.125 3.500 ------ ------ APR 4.297 3.599 4.189 3.644 ------ ------ ************ 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 3.875 3.250 3.375 3.750 >$417K 4.250 4.000 ------ ------ 3.625 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 4.000 3.375 3.750 4.125 >$417K 4.375 4.000 ------ ------ 3.625 3.750 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.125 3.750 3.125 3.125 3.500 APR 3.965 3.155 3.788 3.168 3.145 3.512 >$417K 4.125 3.625 ------ ------ 3.375 3.500 APR 4.138 3.654 ------ ------ 3.377 3.494 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.500 4.125 3.500 ------ ------ APR 4.267 3.548 4.149 3.570 ------ ------ ************ 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 4.125 3.250 4.000 3.250 3.625 4.000 >$417K 4.375 4.125 ------ ------ 3.875 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.375 4.125 3.375 4.125 4.375 >$417K 4.500 ------ ------ ------ 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 3.750 3.125 3.125 3.500 APR 3.906 3.161 3.793 3.178 3.148 3.515 >$417K 4.125 3.625 ------ ------ 3.375 3.500 APR 4.141 3.659 ------ ------ 3.380 3.497 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.500 4.125 3.500 ------ ------ APR 4.261 3.555 4.154 3.580 ------ ------ *********** 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 4.000 3.375 3.875 4.125 >$417K 4.375 4.125 ------ ------ 3.750 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.750 4.250 3.750 ------ ------ >$417K 4.500 ------ ------ ------ 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 3.750 3.125 3.125 3.500 APR 3.911 3.170 3.800 3.190 3.156 3.524 >$417K 4.125 3.625 ------ ------ 3.375 3.500 APR 4.139 3.655 ------ ------ 3.376 3.495 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.500 4.125 3.500 ------ ------ APR 4.266 3.564 4.161 3.592 ------ ------ ********** 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 4.125 3.500 ------ ------ >$417K 4.625 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.375 3.625 4.250 3.625 ------ ------ >$417K 4.625 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.750 3.125 3.125 3.500 APR 3.920 3.185 3.812 3.213 3.175 3.543 >$417K 4.125 3.625 ------ ------ 3.375 3.500 APR 4.141 3.660 ------ ------ 3.380 3.498 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.500 4.125 3.500 ------ ------ APR 4.275 3.579 4.173 3.615 ------ ------ ************ 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 4.000 3.375 ------ ------ >$417K 4.375 4.125 ------ ------ ------ 3.875 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 4.500 ------ ------ ------ ------ ------ PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.750 3.125 3.625 3.750 APR 3.935 3.211 3.833 3.251 3.682 3.811 >$417K 4.125 3.625 ------ ------ 3.375 3.500 APR 4.147 3.670 ------ ------ 3.389 3.503 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.500 4.125 3.500 ------ ------ APR 4.290 3.606 4.194 3.653 ------ ------ ************* 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 4.125 3.375 4.000 3.250 3.750 3.875 >$417K 4.250 3.875 ------ ------ 3.625 3.625 Jumbo 4.250 3.750 ------ ------ 3.500 3.625 PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.250 3.625 4.125 3.500 ------ 4.250 >$417K 4.375 4.000 ------ ------ 3.750 3.750 PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.250 3.875 3.250 3.500 3.750 APR 4.095 3.287 3.872 3.179 3.520 3.755 >$417K 4.125 3.625 ------ ------ 3.375 3.500 APR 4.138 3.653 ------ ------ 3.380 3.494 Jumbo 4.125 3.625 ------ ------ 3.250 3.375 APR 4.112 3.608 ------ ------ 3.254 3.373 INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.500 3.875 4.250 3.875 ------ ------ APR 4.496 3.920 4.251 3.883 ------ ------

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