【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年11月15日星期二

SUMMARY：今天（2022年11月15日星期二）美房貸二級市場的利率價格和昨天相比基本持平。目前加州30年固定的零費用重貸利率為6.375%，15年固定為5.875%；購房貸款50萬左右，30年固定的利率降至6.25% with 0 point, plus closing cost (APR 6.305%)，15年固定利率為5.75% with 0 point, plus closing cost (APR 5.800%)。

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/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 6.375 5.875 6.250 5.875 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 7.000 6.375 6.875 6.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.250 5.750 6.125 5.625 ------ ------ APR 6.305 5.800 6.197 5.752 ------ ------   $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 6.375 5.875 6.250 5.875 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 7.000 6.375 6.875 6.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.250 5.750 6.125 5.625 ------ ------ APR 6.274 5.750 6.157 5.680 ------ ------   $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 6.500 6.000 6.375 6.000 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ ------ ------ ------ ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.250 5.750 6.125 5.625 ------ ------ APR 6.265 5.756 6.161 5.688 ------ ------   $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 6.500 6.000 6.375 6.000 ------ ------ $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 6.250 5.625 6.125 5.625 ------ ------ APR 6.258 5.676 6.151 5.670 ------ ------   $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 6.375 5.750 6.250 5.750 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.875 6.250 6.750 6.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.250 5.750 6.125 5.625 ------ ------ APR 6.255 5.739 6.147 5.664 ------ ------   $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 6.875 6.250 6.750 6.250 ------ ------ $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 6.250 5.625 6.125 5.625 ------ ------ APR 6.268 5.694 6.165 5.695 ------ ------   $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 6.625 6.125 6.500 6.000 ------ ------ $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 6.250 5.625 6.125 5.625 ------ ------ APR 6.280 5.712 6.180 5.721 ------ ------   $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 6.375 5.875 6.250 5.875 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 7.000 6.375 6.875 6.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.250 5.750 6.125 5.625 ------ ------ APR 6.273 5.750 6.156 5.679 ------ ------   $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