【房贷利率】10月03日 星期一


奇虎贷款    10/03     3135    
3.0/2 

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(10月03日 星期一)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年固定利率维持在3.375%,15年固定利率稳定在2.750%,
5/1 ARM上升至3.000%。购房贷款40万左右,30年固定利率稳定在3.250%,15年固定
利率稳定在2.500%,5/1 ARM稳定在2.750%.

: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
<=$417K3.3752.7503.1252.6253.0003.250
>$417K3.4502.7503.3752.8753.3753.375
Jumbo3.6253.125------------3.1253.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.2502.7503.2503.375
>$417K3.8753.3753.7503.6253.5003.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5002.9902.5002.7502.875
APR3.2742.5803.0602.5272.7852.924
>$417K3.3752.7503.2502.7503.1253.125
APR3.3872.7413.2762.8023.1483.156
Jumbo3.5002.875------------2.8752.875
APR3.5262.933------------2.8982.905
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.3752.8753.5003.625
APR3.6502.9773.4102.9653.5553.661
****************** MARYLAND ******************
(Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.1252.5002.8753.125
>$417K3.7503.250------------3.2503.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.4502.7503.2502.6253.1253.375
>$417K3.7503.250------------3.3753.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2002.5002.9902.5002.7502.875
APR3.2282.5203.0132.4352.7552.897
>$417K3.6253.000------------3.0003.000
APR3.6062.993------------2.9952.995
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5502.8753.3752.8753.5003.625
APR3.5772.9163.3622.8923.5203.626
****************** 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
<=$417K3.3752.7503.1252.6253.1253.250
>$417K3.8753.375------------------3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.2502.7503.3753.500
>$417K3.8753.500------------------3.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2002.5002.9902.5002.7502.875
APR3.2322.5263.0182.4442.7582.901
>$417K3.6253.000------------3.0003.000
APR3.6092.998------------2.9972.998
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5502.8753.3752.8753.5003.625
APR3.5812.9223.3682.9023.5243.630
****************** 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
<=$417K3.5002.7503.2502.7503.1253.500
>$417K3.8753.375------------------3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.9903.3753.0003.6253.750
>$417K3.8753.500------------------3.375
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5002.9902.5002.7502.875
APR3.2652.5753.0562.5102.7662.923
>$417K3.6253.000------------3.0003.000
APR3.6072.994------------2.9952.996
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.3752.8753.5003.625
APR3.5552.9553.4062.9143.5523.658
****************** 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
<=$417K3.5002.8753.3752.8753.6253.750
>$417K4.000------------------------3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5003.000------4.125
>$417K4.125------------------------------
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5003.0002.3752.7502.875
APR3.2662.5823.0512.4682.7852.920
>$417K3.6253.000------------3.0003.000
APR3.6092.999------------2.9982.998
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.3752.8753.6253.625
APR3.6282.9713.4232.9363.6643.670
***************** 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
<=$417K3.5002.8753.2502.7503.2503.625
>$417K3.8753.500------------------3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5002.8753.6253.875
>$417K4.000------------------------3.500
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.5003.0002.5002.7502.875
APR3.2882.6073.0642.5392.7942.933
>$417K3.6253.000------------3.0003.000
APR3.6153.009------------3.0033.004
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.3752.8753.6253.625
APR3.6432.9973.4462.9743.6803.686
****************** 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
<=$417K3.3752.7503.1252.5002.8753.125
>$417K3.7503.250------------3.2503.125
Jumbo3.6253.125------------3.1253.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.4502.7503.2502.6253.1253.375
>$417K3.7503.250------------3.2503.250
PRIMARY RESIDENCE - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2002.5002.9902.5002.6252.875
APR3.2282.5193.0122.4232.6482.896
>$417K3.6253.000------------3.0003.000
APR3.6062.993------------2.9952.995
Jumbo3.5002.875------------2.8752.875
APR3.4962.881------------2.8702.877
INVESTMENT PROPERTY - PURCHASE:
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5502.8753.3752.9903.5003.625
APR3.5762.9153.3623.0553.5203.626

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


NMLS ID 1169300 CA BRE Lic 01950932