【房贷利率】8月8日 星期一
奇虎贷款-100436 08/08 8201
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(08月8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年固定利率稳定在3.375%,15年固定利率稳定在2.750%,
5/1 ARM稳定至3.000%。购房贷款40万左右,30年固定的利率上升至3.375%,15年固定
利率稳定在2.625%,5/1 ARM上升为2.750%.
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 | 3.375 | 2.750 | 3.250 | 2.625 | 3.000 | 3.250 |
>$417K | 3.625 | 2.750 | 3.625 | 2.875 | 3.375 | 3.625 |
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.375 | 3.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.500 | 2.875 | 3.375 | 2.750 | 3.375 | 3.500 |
>$417K | 4.125 | 3.375 | 4.250 | ------ | ------ | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.375 | 2.625 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.369 | 2.679 | 3.195 | 2.522 | 2.789 | 2.918 |
>$417K | 3.500 | 2.750 | 3.375 | 2.750 | 3.125 | 3.250 |
APR | 3.529 | 2.767 | 3.438 | 2.830 | 3.160 | 3.294 |
Jumbo | 3.875 | 3.375 | ------ | ------ | 3.125 | 3.125 |
APR | 3.903 | 3.409 | ------ | ------ | 3.159 | 3.142 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 3.000 | 3.500 | 3.000 | 3.625 | 3.625 |
APR | 3.670 | 3.080 | 3.546 | 3.037 | 3.667 | 3.674 |
***************** 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 | 3.375 | 2.750 | 3.250 | 2.500 | 2.875 | 3.125 |
>$417K | 4.000 | 3.625 | ------ | ------ | 3.375 | 3.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.500 | 2.875 | 3.375 | 2.625 | 3.250 | 3.375 |
>$417K | 4.000 | 3.625 | ------ | ------ | 3.375 | 3.250 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.250 | 2.625 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.273 | 2.630 | 3.157 | 2.408 | 2.762 | 2.891 |
>$417K | 3.875 | 3.375 | ------ | ------ | 3.125 | 3.125 |
APR | 3.878 | 3.402 | ------ | ------ | 3.125 | 3.119 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 3.000 | 3.500 | 2.875 | 3.625 | 3.625 |
APR | 3.642 | 3.030 | 3.498 | 2.917 | 3.633 | 3.640 |
****************** 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 | 3.500 | 2.750 | 3.375 | 2.625 | 3.125 | 3.375 |
>$417K | 4.625 | ------ | ------ | ------ | 3.500 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.500 | 2.875 | 3.500 | 2.750 | 3.500 | 3.500 |
>$417K | ------ | ------ | ------ | ------ | 3.375 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.250 | 2.625 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.277 | 2.636 | 3.162 | 2.418 | 2.766 | 2.895 |
>$417K | 3.875 | 3.375 | ------ | ------ | 3.125 | 3.125 |
APR | 3.881 | 3.407 | ------ | ------ | 3.128 | 3.121 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 3.000 | 3.500 | 2.875 | 3.625 | 3.625 |
APR | 3.635 | 3.036 | 3.503 | 2.927 | 3.637 | 3.644 |
***************** 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 | 3.500 | 2.875 | 3.375 | 2.750 | 3.375 | 3.500 |
>$417K | ------ | ------ | ------ | ------ | 3.500 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.750 | 3.750 |
>$417K | 4.625 | ------ | ------ | ------ | 3.500 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.375 | 2.625 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.340 | 2.678 | 3.195 | 2.483 | 2.788 | 2.919 |
>$417K | 3.875 | 3.375 | ------ | ------ | 3.125 | 3.125 |
APR | 3.877 | 3.399 | ------ | ------ | 3.124 | 3.117 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 3.000 | 3.500 | 2.875 | 3.625 | 3.625 |
APR | 3.640 | 3.045 | 3.541 | 2.993 | 3.664 | 3.671 |
Northern California:
奇虎贷款目前能做CA、GA、MD, TX和VA等5个州的房屋贷款,欢迎查询:
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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。
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
NMLS ID 1169300 CA BRE Lic 01950932