【房贷利率】8月3日星期三

奇虎贷款-100436 08/03 6722

3.5/2

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3日星期三)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年固定的利率稳定在3.375%，15年固定
利率稳定在2.625%，5/1 ARM稳定在2.625%.

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	2.500	3.000	3.250
>$417K	3.625	2.750	3.500	2.875	3.375	3.500
Jumbo	4.000	3.375	------	------	3.250	3.125

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	3.375
>$417K	4.125	3.375	4.250	------	------	4.375

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	2.625	2.750
APR	3.375	2.679	3.181	2.509	2.668	2.793

>$417K	3.500	2.750	3.500	2.750	2.990	3.250
APR	3.517	2.759	3.502	2.812	3.035	3.276

Jumbo	3.750	3.250	------	------	3.000	3.000
APR	3.788	3.295	------	------	3.037	3.032

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	3.500	3.625
APR	3.680	3.080	3.540	3.037	3.551	3.655

**************** 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	2.875	3.375	2.625	3.250	3.375
>$417K	4.000	3.625	------	------	3.250	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	2.625	2.750
APR	3.268	2.537	3.143	2.396	2.641	2.766

>$417K	3.750	3.375	------	------	3.000	3.000
APR	3.763	3.372	------	------	3.004	3.008

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	3.500
APR	3.652	3.035	3.492	2.905	3.516	3.524

**************** 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	3.250
>$417K	4.625	------	------	------	3.375	------

PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	3.375	3.500
>$417K	4.625	------	------	------	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	2.625	2.750
APR	3.272	2.544	3.148	2.406	2.644	2.770

>$417K	3.750	3.375	------	------	3.000	3.000
APR	3.766	3.377	------	------	3.007	3.011

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	3.500
APR	3.646	3.041	3.497	2.915	3.520	3.528

**************** 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	3.250	3.500
>$417K	4.625	------	------	------	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	2.875	3.625	3.625
>$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	2.500	3.125	2.500	2.625	2.750
APR	3.350	2.589	3.181	2.471	2.668	2.793

>$417K	3.750	3.375	------	------	3.000	3.000
APR	3.762	3.369	------	------	3.003	3.007

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	3.500	3.625
APR	3.650	3.045	3.536	2.981	3.548	3.652

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

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