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【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 2021年10月25日星期一

(2021-10-26 16:51:49) 下一個

SUMMARY:今天(10月25日星期一)房貸二級市場的利率價格和上周五相比稍微變好。目前30年固定的零費用重貸利率仍勉強維持在3.125%,15年固定為2.375%;購房貸款50萬左右,30年固定的利率為3.000% with 0 point, plus closing cost (APR 3.025%),15年固定為2.125% with 0 point, plus closing cost (APR 2.153%)。

奇虎貸款利率查詢電話:949-829-3863或888-800-4151。電郵:apply@tigerloans.com。官網網址:www.tigerloans.com/apply-now

注:除非特別說明,以下列出的利率都是基於本帖底部的貸款參數,並且是帶impound account的利率。

******************************* CALIFORNIA *******************************
(Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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
$510K 3.125 2.375 3.000 2.250 ------ ------
$650K ------ ------ ------ ------ ------ ------
Jumbo ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.500 2.500 3.125 2.375 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.000 2.125 2.750 2.000 ------ ------
APR 3.025 2.153 2.786 2.041 ------ ------
 
$650K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
Jumbo ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $510K, 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
$510K 3.125 2.375 2.875 2.250 ------ ------
$650K ----- ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.500 2.500 3.125 2.250 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.000 2.125 2.750 2.000 ------ ------
APR 3.025 2.108 2.766 2.075 ------ ------
 
$650K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $510K, 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
$510K 3.250 2.375 3.000 2.250 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K ------ 2.500 3.375 2.500 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 2.875 2.125 2.750 2.000 ------ ------
APR 2.897 2.133 2.754 2.012 ------ ------
 
$650K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* TEXAS *******************************
(Based on Conforming Loan $300K, Jumbo Loan $600K. 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
$300K 3.375 2.375 3.125 2.250 ------ ------
$600K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K ------ ------ ------ ------ ------ ------
$600K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K 3.000 2.125 2.625 2.000 ------ ------
APR 3.023 2.146 2.675 2.015 ------ ------
 
$600K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $510K, Jumbo Loan $900K. 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
$510K 3.125 2.375 2.750 2.125 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.375 2.375 3.125 2.250 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.000 2.250 2.750 2.125 ------ ------
APR 3.029 2.297 2.782 2.169 ------ ------
 
$650K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $300K, Jumbo Loan $600K 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
$300K ------ 2.625 3.500 2.500 ------ ------
$600K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K ------ ------ ------ ------ ------ ------
$600K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K 3.000 2.250 2.875 2.125 ------ ------
APR 3.033 2.282 2.938 2.189 ------ ------
 
$600K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* GEORGIA *******************************
(Based on Conforming Loan $300K, Jumbo Loan $600K. 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
$300K 3.500 2.625 3.125 2.375 ------ ------
$600K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K ------ 2.750 3.625 2.500 ------ ------
$600K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K 3.000 2.125 2.875 2.125 ------ ------
APR 3.029 2.179 2.923 2.173 ------ ------
 
$600K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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
$510K 3.125 2.375 3.000 2.250 ------ ------
$650K ------ ------ ------ ------ ------ ------
Jumbo ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.500 2.625 3.250 2.375 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 3.000 2.125 2.750 2.125 ------ ------
APR 3.026 2.167 2.787 2.176 ------ ------
 
$650K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
Jumbo ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K ------ ------ ------ ------ ------ ------
APR ------ ------ ------ ------ ------ ------
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
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