【房贷利率】12月29日星期四 | 奇虎贷款

【房贷利率】12月29日星期四

🌟奇虎贷款利率

奇虎贷款-100436 12/29 5898

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29日星期四)开盘时的房贷利率价格和上个工作日相比稍好。目前
重新贷款40万左右的利率，30年固定利率保持在4.125%，15年固定利率保持在3.375%，
5/1 ARM利率下降至3.500%。购房贷款40万左右，30年固定利率下降至3.990%，15年固定
利率保持在3.250%，5/1 ARM利率下降至2.990%.
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 4.125 3.375 3.875 3.250 3.500 3.750
>$417K 4.250 3.625 4.125 3.500 3.750 4.000
Jumbo 4.375 4.000 ------ ------ 3.625 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.000 3.375 3.875 3.990
>$417K 4.500 4.375 4.625 ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.045 3.276 3.808 3.258 3.039 3.409
>$417K 4.125 3.500 4.000 3.375 3.500 3.750
APR 4.145 3.529 4.039 3.455 3.539 3.785
Jumbo 4.250 3.875 ------ ------ 3.375 3.625
APR 4.284 3.930 ------ ------ 3.414 3.664
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.125 4.250
APR 4.422 3.725 4.251 3.769 4.180 4.305
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 4.125 3.375 3.875 3.250 3.500 3.625
>$417K 4.375 4.250 ------ ------ 3.625 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.875 3.375 3.750 3.875
>$417K 4.500 4.375 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.006 3.222 3.768 3.179 3.002 3.277
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.259 3.989 ------ ------ 3.390 3.640
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.125 3.990
APR 4.393 3.674 4.210 3.695 4.140 4.017
* 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 4.125 3.375 3.875 3.250 3.625 3.750
>$417K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 4.000 3.990
>$417K ------ ------ ------ ------ 3.875 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.010 3.229 3.773 3.189 3.006 3.281
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.262 3.994 ------ ------ 3.392 3.643
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.125 3.990
APR 4.386 3.680 4.216 3.705 4.144 4.021
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 4.250 3.500 4.000 3.500 3.875 3.990
>$417K ------ ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.125 3.625 ------ 4.500
>$417K 5.000 ------ ------ ------ 3.875 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.375
APR 4.038 3.241 3.807 3.255 3.032 3.402
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.258 3.987 ------ ------ 3.388 3.638
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.250 3.625 4.125 4.250
APR 4.308 3.689 4.250 3.717 4.172 4.298
** 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 4.250 3.625 4.125 3.500 ------ 4.500
>$417K 4.750 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 ------ ------
>$417K 4.875 ------ ------ ------ ------ ------
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.125 2.990 3.375
APR 4.006 3.256 3.773 3.193 3.044 3.414
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.262 3.995 ------ ------ 3.393 3.643
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.625 4.125 4.250
APR 4.400 3.705 4.177 3.747 4.185 4.310
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 4.250 3.500 4.000 3.500 4.125 3.990
>$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 ------ 4.625
>$417K ------ ------ ------ ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.125 2.990 3.375
APR 4.039 3.282 3.821 3.283 3.060 3.430
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.268 4.005 ------ ------ 3.398 3.649
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 ------ 4.375
APR 4.415 3.731 4.264 3.779 ------ 4.441
* 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 4.125 3.375 3.875 3.250 3.500 3.625
>$417K 4.375 4.250 ------ ------ 3.625 3.875
Jumbo 4.375 4.000 ------ ------ 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 3.500 3.875 3.375 3.750 3.875
>$417K 4.500 4.375 ------ ------ 3.750 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 2.990 3.250
APR 4.005 3.221 3.767 3.167 3.002 3.277
>$417K 4.250 4.000 ------ ------ 3.375 3.625
APR 4.259 3.989 ------ ------ 3.389 3.640
Jumbo 4.250 3.875 ------ ------ 3.375 3.625
APR 4.233 3.876 ------ ------ 3.365 3.615
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.250 3.750 4.125 3.990
APR 4.398 3.737 4.210 3.809 4.139 4.016

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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