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【房贷利率】12月20日星期二

奇虎贷款利率

奇虎贷款-100436 12/20 6346

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的Jumbo loan;
(5) 纯外国人贷款

SUMMARY：今天（12月20日星期二)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4.250%，15年固定利率保持在3.375%，
5/1 ARM利率保持在3.625%。购房贷款40万左右，30年固定利率保持在4.125%，15年固定
利率保持在3.250%，5/1 ARM利率保持在3.250%.
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 4.250 3.375 4.000 3.250 3.625 3.875
>$417K 4.450 3.625 4.250 3.625 3.875 4.000
Jumbo 4.500 4.375 ------ ------ 3.625 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.500 4.000 4.250
>$417K 4.625 ------ 4.625 ------ 3.875 4.125
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 3.250 3.500
APR 4.146 3.344 3.890 3.251 3.296 3.531
>$417K 4.200 3.500 4.125 3.750 3.625 3.750
APR 4.243 3.562 4.164 3.862 3.651 3.794
Jumbo 4.375 4.250 ------ ------ 3.500 3.750
APR 4.403 4.291 ------ ------ 3.523 3.770
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 4.526 3.921 4.323 3.966 ------ ------
* 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 4.250 3.375 3.875 3.250 3.625 3.625
>$417K 4.500 ------ ------ ------ 3.750 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 3.875 4.250
>$417K 4.500 ------ ------ ------ 3.750 4.000
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 3.250 3.500
APR 4.117 3.275 3.850 3.178 3.258 3.503
>$417K 4.375 4.250 ------ ------ 3.500 3.750
APR 4.377 4.279 ------ ------ 3.499 3.746
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.875 ------ ------
APR 4.496 3.788 4.283 3.892 ------ ------
* 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 4.250 3.500 4.125 3.500 3.750 4.000
>$417K ------ ------ ------ ------ 3.875 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.625 4.250 4.500
>$417K ------ ------ ------ ------ 4.000 4.125
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 3.250 3.500
APR 4.115 3.282 3.855 3.188 3.262 3.506
>$417K 4.375 4.250 ------ ------ 3.500 3.750
APR 4.380 4.284 ------ ------ 3.501 3.748
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.875 ------ ------
APR 4.490 3.794 4.288 3.902 ------ ------
* 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 4.375 3.625 4.125 3.500 4.000 4.250
>$417K ------ ------ ------ ------ 3.875 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.250 3.750 ------ ------
>$417K ------ ------ ------ ------ 4.000 4.125
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 3.250 3.500
APR 4.120 3.313 3.889 3.249 3.289 3.530
>$417K 4.375 4.250 ------ ------ 3.500 3.750
APR 4.376 4.287 ------ ------ 3.497 3.744
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
APR 4.494 3.832 4.323 3.869 ------ ------
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 4.500 3.750 4.250 3.625 ------ ------
>$417K 4.875 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 4.000 4.250 3.875 ------ ------
>$417K 5.125 ------ ------ ------ ------ ------
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 3.250 3.500
APR 4.121 3.315 3.855 3.187 3.301 3.526
>$417K 4.375 4.250 ------ ------ 3.500 3.750
APR 4.381 4.284 ------ ------ 3.502 3.749
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
APR 4.504 3.848 4.288 3.892 ------ ------
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 4.375 3.625 4.125 3.625 4.250 4.500
>$417K ------ ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.250 3.875 ------ ------
>$417K ------ ------ ------ ------ 4.000 4.125
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 3.250 3.500
APR 4.144 3.355 3.904 3.276 3.317 3.540
>$417K 4.375 4.250 ------ ------ 3.500 3.750
APR 4.386 4.295 ------ ------ 3.507 3.754
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
APR 4.519 3.875 4.337 3.931 ------ ------
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 4.250 3.500 3.875 3.250 3.625 3.625
>$417K 4.500 ------ ------ ------ 3.750 3.875
Jumbo 4.375 4.375 ------ ------ 3.500 3.750
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 3.875 4.125
>$417K 4.500 ------ ------ ------ 3.750 4.000
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 3.250 3.500
APR 4.117 3.275 3.849 3.177 3.257 3.502
>$417K 4.375 4.250 ------ ------ 3.500 3.750
APR 4.377 4.278 ------ ------ 3.498 3.745
Jumbo 4.375 4.125 ------ ------ 3.375 3.625
APR 4.351 4.146 ------ ------ 3.373 3.620
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.875 ------ ------
APR 4.518 3.787 4.282 3.921 ------ ------

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

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