【房贷利率】9月2日 星期五
奇虎贷款-100436 09/02 6035
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(09月02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年固定利率稳定在3.375%,15年固定利率稳定在2.750%,
5/1 ARM上升为3.000%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定
利率稳定在2.500%,5/1 ARM稳定在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 | 3.550 | 2.875 | 3.375 | 2.875 | 3.375 | 3.375 |
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.500 | 2.750 | 3.250 | 2.750 | 3.125 | 3.375 |
>$417K | 3.950 | 3.375 | 3.875 | ------ | 3.500 | 3.375 |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.250 | 2.500 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.292 | 2.590 | 3.147 | 2.527 | 2.787 | 2.918 |
>$417K | 3.375 | 2.750 | 3.375 | 2.750 | 3.125 | 3.125 |
APR | 3.422 | 2.805 | 3.382 | 2.787 | 3.149 | 3.168 |
Jumbo | 3.750 | 3.250 | ------ | ------ | 3.125 | 3.000 |
APR | 3.779 | 3.316 | ------ | ------ | 3.150 | 3.039 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.990 | 3.375 | 2.875 | 3.500 | 3.625 |
APR | 3.671 | 3.065 | 3.442 | 3.017 | 3.556 | 3.661 |
***************** 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 | ------ | ------ | 3.250 | 3.250 |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.500 | 2.750 | 3.250 | 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 | 2.500 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.258 | 2.540 | 3.092 | 2.455 | 2.755 | 2.891 |
>$417K | 3.750 | 3.375 | ------ | ------ | 3.000 | 3.000 |
APR | 3.754 | 3.391 | ------ | ------ | 3.013 | 3.015 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.990 | 3.375 | 2.875 | 3.500 | 3.625 |
APR | 3.637 | 3.004 | 3.395 | 2.944 | 3.522 | 3.627 |
****************** 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 | 3.250 |
>$417K | 4.500 | ------ | ------ | ------ | 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 | 2.750 | 3.250 | 3.500 |
>$417K | 4.500 | ------ | ------ | ------ | 3.500 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.250 | 2.500 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.262 | 2.547 | 3.097 | 2.465 | 2.759 | 2.895 |
>$417K | 3.750 | 3.375 | ------ | ------ | 3.000 | 3.000 |
APR | 3.757 | 3.396 | ------ | ------ | 3.016 | 3.018 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.990 | 3.375 | 2.875 | 3.500 | 3.625 |
APR | 3.635 | 3.011 | 3.400 | 2.954 | 3.526 | 3.630 |
****************** 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 | 2.750 | 3.375 | 2.750 | 3.125 | 3.375 |
>$417K | 4.500 | ------ | ------ | ------ | 3.375 | ------ |
PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
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 | 3.750 |
>$417K | 4.500 | ------ | ------ | ------ | 3.500 | ------ |
PRIMARY RESIDENCE - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.250 | 2.500 | 3.125 | 2.500 | 2.750 | 2.875 |
APR | 3.289 | 2.588 | 3.122 | 2.525 | 2.767 | 2.919 |
>$417K | 3.750 | 3.375 | ------ | ------ | 3.000 | 3.000 |
APR | 3.753 | 3.389 | ------ | ------ | 3.012 | 3.014 |
INVESTMENT PROPERTY - PURCHASE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 3.625 | 2.990 | 3.375 | 2.875 | 3.500 | 3.625 |
APR | 3.640 | 3.060 | 3.438 | 2.966 | 3.538 | 3.658 |
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