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【房贷利率】1月11日星期三


奇虎贷款    01/11     1818    
4.5/2 

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
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(1月11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年固定利率保持在4.000%,15年固定利率保持在3.250%,
5/1 ARM利率保持在3.375%。购房贷款40万左右,30年固定利率保持在3.875%,15年固定
利率保持在3.125%,5/1 ARM利率保持在2.990%.

: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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.3753.500
>$424K4.2003.3754.0003.3753.6253.875
Jumbo4.1253.625------------3.5003.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.2503.6253.750
>$424K4.3753.8754.375------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.7503.0002.9903.250
APR3.9213.1693.7653.1023.0323.300
>$424K4.0003.2503.8753.2503.3753.625
APR4.0443.2853.9173.3223.4143.666
Jumbo4.1253.500------------3.2503.500
APR4.1153.541------------3.2903.535
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.1253.5004.1253.990
APR4.2653.5814.1463.6174.1694.039
************* MARYLAND ****************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.7503.1253.2503.500
>$424K4.2503.750------------3.5003.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.2503.6253.625
>$424K4.2503.875------------3.6253.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.7502.9902.9903.250
APR3.8923.1193.7253.0532.9953.262
>$424K4.1253.625------------3.2503.500
APR4.1113.599------------3.2673.511
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.1253.5004.0003.990
APR4.2363.5304.1063.5444.0224.000
************ VIRGINIA ***************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.8753.2503.5003.625
>$424K4.3754.000------------3.7503.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3754.0003.3753.7503.875
>$424K4.3754.000------------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.7502.9902.9903.250
APR3.8863.1253.7313.0622.9983.266
>$424K4.1253.625------------3.2503.500
APR4.1143.603------------3.2693.513
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.1253.5004.0003.990
APR4.2293.5374.1113.5534.0264.004
************** TEXAS ***************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.3753.6253.750
>$424K4.3754.000------------3.7503.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.500------4.375
>$424K4.3754.000------------3.7503.875
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.0003.7503.0002.9903.250
APR3.8903.0813.7513.0473.0253.290
>$424K4.1253.625------------3.2503.500
APR4.1123.600------------3.2653.509
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.1253.5004.1253.990
APR4.1723.5454.1173.5664.1624.032
************ 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.0003.500------4.375
>$424K4.5004.375------------------4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.625------------
>$424K4.500------------------------4.125
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.0003.7503.0002.9903.250
APR3.8993.0963.7303.0953.0373.305
>$424K4.1253.625------------3.2503.500
APR4.1143.604------------3.2703.514
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.1253.5004.1253.990
APR4.1813.5614.1343.5884.1754.045
************* GEORGIA **************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.3753.7503.875
>$424K4.3754.000------------3.7503.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.5004.1253.5004.1254.125
>$424K4.3754.125------------3.8754.000
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.0003.7503.0002.9903.250
APR3.9143.1223.7783.1223.0533.321
>$424K4.1253.625------------3.2503.500
APR4.1203.614------------3.2753.519
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.5004.1253.5004.1253.990
APR4.1963.5874.1513.6274.1924.062
************* 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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.0003.2503.7503.1253.2503.500
>$424K4.2503.750------------3.5003.750
Jumbo4.1253.625------------3.6253.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.1253.3753.8753.2503.5003.625
>$424K4.2503.875------------3.6253.750
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K3.8753.1253.7502.9902.9903.250
APR3.9013.1463.7253.0512.9943.262
>$424K4.1253.625------------3.2503.500
APR4.1113.598------------3.2663.510
Jumbo4.1253.500------------3.2503.500
APR4.0853.488------------3.2423.486
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$424K4.2503.6254.1253.6254.0003.990
APR4.2803.6584.1043.6584.0223.999

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