Below is a summary on mortgage rates as of 07/15/11**:
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*****Refinance Loan***** (no costs to borrower)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______4.500%__________3.750%_______3.000%
APR_________4.500%__________3.750%_______3.000%
≤729K______4.625%__________3.875%_______3.375%
APR_________4.625%__________3.875%_______3.375%
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†Contact me on HARP Refi, LTV >80% & <105% (negative equity)
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*****Purchase Loan***** (no point)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______4.375%%________3.500%%_______2.750%
APR_________4.475%_________3.600%________2.850%
≤729K______4.500%_________3.750%________3.250%
APR_________4.600%_________3.900%________3.350%
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For more details and questions, please feel free to contact me.
欢迎查询贷款利率动态
Email: hkcharles@yahoo.com
DRE# 01363144
NMLS# 342799
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欢迎访问"言之有屋"，我的博客--Please visit my Blog
http://hkmbb.blogspot.com/
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**Mortgage rates fluctuate daily. Certain requirements apply. Rate quote
based on 15-day Lock, Owner-occupied Single Family Residence (SFR) in CA,
Borrower FICO Score ≥740, Loan-to-value (LTV) ≤75%, Loan Amount ≥$380,000
for Conforming, ≥$450,000 for High Balance.

联系时请一定说明是在洛杉矶华人资讯网看到的，谢谢

除了美国公民，绿卡，以下这些 visa，符合条件的，都可以申请贷款
H-1A, H-1B, E-1, E-2, L-1, P-1, R-1, TN
贷款主要考虑因素有：
1. 信用（FICO score）最好有2年，700分以上;
2. 工作／收入 2年工作历史，税前收入和负债比在45-50%；
3. 首付 如有20%的话，不用付房贷保险；
4. 过去2年的居住证明；
5. 存款 除了付掉的 down pay, 还需要有存款，足够支付2-3个月的房屋支出。 mortgage， 地税，HOA，房子，保险等。
有其他疑问请 email 联络 hkcharles@yahoo.com