【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 7月2日星期四

SUMMARY：今天（7月2日星期四）美聯邦勞工部公布的6月份就業報告靚麗，報告顯示上個月新增就業人數四百八十萬，創單月新增就業人數的曆史記錄。通常這樣的就業增長會引發利率飆升，但因為當前新冠疫情依然嚴重，美國經濟形勢依然嚴峻，再加上美聯儲的無限量化寬鬆政策的執行，都使當前的房貸利率沒有大的變化。目前加州重新貸款50萬的利率，30年固定的零費用重貸利率，滿足一些特定條件的目前最低仍然可以做到2.875%，15年固定回落至2.625%；購房貸款50萬左右，30年固定的利率仍為2.875%，15年回落至2.5%。

如果你想鎖定一個理想的利率，你首先應盡快選定一家貸款公司開始遞交房貸申請，著手準備材料，然後就耐心等待，等到利率滿意的時候再下手鎖定利率。現在重新貸款的人很多，各家貸款公司都在滿負荷運轉；同時現在利率變好通常維持的時間很短，如果你等到利率變好的當天再下手開始申請，很有可能會貽誤時機。

奇虎貸款利率查詢電話：949-829-3863或888-800-4151。電郵：[e-mail]。官網網址：www.tigerloans.com

******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. 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 <=$484K 2.875 2.625 2.875 2.625 ------ ------ >$484K 3.250 3.000 ------ ------ ------ ------ Jumbo ------ 3.875 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.250 3.000 3.125 3.000 ------ ------ >$484K 3.750 3.625 4.000 3.500 ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.875 2.500 2.750 2.500 ------ ------ APR 2.953 2.585 2.788 2.538 ------ ------   >$484K 3.375 3.250 ------ ------ ------ ------ APR 3.417 3.290 ------ ------ ------ ------   Jumbo 4.000 3.750 ------ ------ 3.875 4.125 APR 4.037 3.789 ------ ------ 3.887 4.156   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 ------ 3.875 ------ ------ ------ APR 4.176 ------ 3.945 ------ ------ ------   ******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K. 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 <=$484K 2.875 2.625 2.875 2.625 ------ ------ >$484K 3.250 3.000 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.250 3.250 3.375 3.250 ------ ------ >$484K 3.875 3.750 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.875 2.500 2.750 2.500 ------ ------ APR 2.952 2.597 2.794 2.578 ------ ------   >$484K 4.000 3.750 ------ ------ 3.875 4.125 APR 4.016 3.752 ------ ------ 3.866 4.135   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 ------ 3.875 ------ ------ ------ APR 4.148 ------ 3.907 ------ ------ ------   ******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K. 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 <=$484K 3.000 2.750 3.000 2.750 ------ ------ >$484K 3.375 4.125 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.625 3.500 3.500 ------ ------ >$484K 4.875 4.375 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.875 2.500 2.750 2.500 ------ ------ APR 2.916 2.553 2.801 2.517 ------ ------   >$484K 4.000 3.750 ------ ------ 3.875 4.125 APR 4.018 3.756 ------ ------ 3.868 4.137   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 ------ 3.875 ------ ------ ------ APR 4.026 ------ 3.912 ------ ------ ------   ******************************* TEXAS ******************************* (Based on Conforming Loan $300K, 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 <=$484K 3.250 2.875 3.125 2.875 ------ ------ >$484K 4.875 4.250 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 3.500 3.750 3.500 ------ ------ >$484K 5.000 4.375 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.125 2.750 3.125 2.750 ------ ------ APR 3.145 2.830 3.202 2.841 ------ ------   >$484K 4.125 3.875 ------ ------ 3.875 4.250 APR 4.145 3.846 ------ ------ 3.890 4.260   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 4.000 3.750 3.875 ------ ------ APR 3.921 4.102 3.828 4.021 ------ ------   ******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $562K. 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 <=$484K 2.875 2.625 2.875 2.625 ------ ------ >$484K 4.625 4.125 ------ ------ 4.375 ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ ------ ------ ------ ------ >$484K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.875 2.625 2.750 2.625 ------ ------ APR 2.928 2.689 2.783 2.656 ------ ------   >$484K 4.375 3.875 ------ ------ 4.000 4.375 APR 4.370 3.871 ------ ------ 3.999 4.377   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 ------ 3.875 ------ ------ ------ APR 4.018 ------ 3.900 ------ ------ ------   ******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo 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 <=$484K 3.500 3.250 3.375 3.250 ------ ------ >$484K 5.125 4.500 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.375 ------ 4.250 ------ ------ ------ >$484K 5.250 ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.000 2.500 2.875 2.500 ------ ------ APR 3.053 2.546 2.902 2.523 ------ ------   >$484K 4.125 3.875 ------ ------ 3.875 4.250 APR 4.148 3.851 ------ ------ 3.893 4.263   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 ------ 3.875 4.000 ------ ------ APR 3.930 ------ 3.937 4.143 ------ ------   ******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, 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 <=$484K 3.500 3.250 3.375 3.250 ------ ------ >$484K 4.875 4.250 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 ------ 3.875 ------ ------ ------ >$484K 5.000 4.375 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.000 2.500 2.875 2.500 ------ ------ APR 3.067 2.571 2.900 2.533 ------ ------   >$484K 4.125 3.875 ------ ------ 3.875 4.250 APR 4.153 3.861 ------ ------ 3.899 4.269   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 ------ 3.875 4.000 ------ ------ APR 3.945 ------ 3.958 4.181 ------ ------   ****************************** WASHINGTON ****************************** (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. 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 <=$484K 2.875 2.625 32.875 2.625 ------ ------ >$484K 3.250 3.875 ------ ------ 4.000 4.375 Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.000 3.125 3.000 ------ ------ >$484K 4.750 4.125 ------ ------ 4.375 ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.875 2.500 2.750 2.500 ------ ------ APR 2.902 2.526 2.787 2.517 ------ ------   >$484K 4.000 3.750 ------ ------ 3.875 4.125 APR 4.016 3.751 ------ ------ 3.866 4.135   Jumbo 4.000 3.750 ------ ------ 3.875 4.125 APR 4.010 3.741 ------ ------ 3.860 4.129   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 ------ 3.875 ------ ------ ------ APR 4.148 ------ 3.906 ------ ------ ------

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. H1B, L1, F1 OPT. For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate. For scenarios outside the above assumptions, please contact local loan officers for case inquiry. 注：以上凡是沒有表明利率的loan program，意味著該program做不了no point的貸款，需要收point才能做。 奇虎貸款NMLS ID: 1169300