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29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稳定在2.875%。购房贷款40万左右，30年固定的利率稳定在3.250%，15年固定
利率上升为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 | 2.750 | 2.875 | 3.250 | | >$417K | 3.550 | 2.875 | 3.375 | 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 | 3.125 | 3.500 | | >$417K | 3.990 | 3.500 | 3.875 | ------ | ------ | 4.375 | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.250 | 2.625 | 3.125 | 2.625 | 2.750 | 2.875 | | APR | 3.286 | 2.663 | 3.164 | 2.758 | 2.782 | 2.918 | | | >$417K | 3.450 | 2.750 | 3.375 | 2.750 | 3.125 | 3.250 | | APR | 3.477 | 2.813 | 3.385 | 2.796 | 3.160 | 3.293 | | | Jumbo | 3.750 | 3.375 | ------ | ------ | 3.125 | 3.125 | | APR | 3.786 | 3.409 | ------ | ------ | 3.161 | 3.146 | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.625 | 2.990 | 3.375 | 3.000 | 3.625 | 3.625 | | APR | 3.670 | 3.073 | 3.455 | 3.064 | 3.663 | 3.673 | | ****************** 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 | 2.750 | 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 | 2.750 | 3.125 | 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 | 2.625 | 2.750 | 2.875 | | APR | 3.252 | 2.603 | 3.117 | 2.670 | 2.751 | 2.891 | | | >$417K | 3.750 | 3.375 | ------ | ------ | 3.125 | 3.125 | | APR | 3.762 | 3.402 | ------ | ------ | 3.128 | 3.122 | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.625 | 2.990 | 3.375 | 3.000 | 3.500 | 3.625 | | APR | 3.644 | 3.012 | 3.407 | 2.991 | 3.522 | 3.638 | | ****************** 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 | 3.250 | 2.750 | 3.000 | 3.375 | | >$417K | ------ | ------ | ------ | ------ | 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 | 3.375 | 2.875 | 3.250 | 3.500 | | >$417K | ------ | ------ | ------ | ------ | 3.500 | ------ | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.250 | 2.625 | 3.125 | 2.625 | 2.750 | 2.875 | | APR | 3.256 | 2.610 | 3.122 | 2.680 | 2.755 | 2.895 | | | >$417K | 3.750 | 3.375 | ------ | ------ | 3.125 | 3.125 | | APR | 3.764 | 3.406 | ------ | ------ | 3.130 | 3.125 | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.625 | 2.990 | 3.375 | 3.000 | 3.500 | 3.625 | | APR | 3.635 | 3.019 | 3.412 | 3.001 | 3.525 | 3.642 | | ***************** 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 | 3.125 | 3.375 | | >$417K | ------ | ------ | ------ | ------ | 3.500 | ------ | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.700 | 3.125 | 3.500 | 3.125 | 3.750 | 3.750 | | >$417K | ------ | ------ | ------ | ------ | 3.500 | ------ | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.250 | 2.625 | 3.125 | 2.625 | 2.750 | 2.875 | | APR | 3.283 | 2.658 | 3.135 | 2.742 | 2.762 | 2.919 | | | >$417K | 3.750 | 3.375 | ------ | ------ | 3.125 | 3.125 | | APR | 3.760 | 3.399 | ------ | ------ | 3.126 | 3.121 | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$417K | 3.625 | 2.990 | 3.500 | 2.875 | 3.500 | 3.625 | | APR | 3.640 | 3.068 | 3.500 | 2.992 | 3.534 | 3.670 |
|
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、MD, TX和VA等5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
NMLS ID 1169300 CA BRE Lic 01950932
