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»【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月19日星期四
SUMMARY：今天（3月19日星期四）美國股市終於站穩腳跟，微漲188點。美10年期國債回報率大幅下跌11.6%至1.119%，說明美聯儲已經開始了新的QE操作。盡管如此，今天的房貸利率突然暴漲，目前重新貸款50萬的利率，30年固定的零費用重貸利率暴漲至4.000%，15年固定爆漲至3.75%；購房貸款50萬左右，30年固定的利率漲至3.5%，15年漲至3.25%。
在這樣的一個利率上下劇烈震蕩的大環境下，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。
注：上周公司原來用了多年的電話號碼在相關的應用升級時突然出了狀況，暫時無法使用。各位請撥打949-829-3863或949-398-0396，查詢當前利率。
奇虎貸款利率查詢電話：888-800-4151 或 949-829-3863。電郵：apply@tigerloans.com。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 | 4.000 | 3.750 | 3.750 | 3.625 | ------ | ------ | | >$484K | 4.000 | 3.125 | 3.750 | 3.125 | 4.625 | 4.625 | | Jumbo | ------ | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | ------ | ------ | 4.375 | 4.000 | ------ | ------ | | >$484K | 4.375 | 3.625 | 4.000 | 3.500 | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 | | APR | 3.539 | 3.339 | 3.527 | 3.352 | 2.923 | 3.299 | | | | >$484K | 4.250 | 3.875 | ------ | ------ | ------ | ------ | | APR | 4.295 | 3.953 | ------ | ------ | ------ | ------ | | | | Jumbo | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.049 | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ | | APR | 4.543 | 3.965 | 4.170 | 3.868 | ------ | ------ | | | ******************************* 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 | 3.875 | 3.625 | 3.625 | 3.500 | ------ | ------ | | >$484K | ------ | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 4.000 | 4.250 | 4.000 | ------ | ------ | | >$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 | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 | | APR | 3.512 | 3.291 | 3.489 | 3.283 | 2.897 | 3.272 | | | | >$484K | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.010 | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ | | APR | 4.514 | 3.916 | 4.131 | 3.798 | ------ | ------ | | | ******************************* 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 | 4.125 | 3.875 | 4.000 | 3.875 | ------ | ------ | | >$484K | 4.625 | 4.125 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | 4.625 | | >$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 | | APR | 3.506 | 3.296 | 3.494 | 3.291 | 2.900 | 3.275 | | | | >$484K | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.014 | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ | | APR | 4.518 | 3.922 | 4.136 | 3.806 | ------ | ------ | | | ******************************* 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 | 4.500 | ------ | 4.375 | 4.000 | ------ | ------ | | >$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 | 4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ | | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.375 | 3.250 | 3.375 | 3.125 | 2.875 | 3.250 | | APR | 3.430 | 3.313 | 3.438 | 3.269 | 2.928 | 3.305 | | | | >$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 | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ | | APR | 4.906 | 4.135 | 4.418 | 4.098 | ------ | ------ | | | ******************************* 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 | 3.750 | 3.500 | 3.500 | 3.375 | 3.250 | ------ | | >$484K | ------ | 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 | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 | | APR | 3.498 | 3.282 | 3.483 | 3.270 | 2.892 | 3.268 | | | | >$484K | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.023 | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ | | APR | 4.512 | 3.980 | 4.128 | 3.798 | ------ | ------ | | | ******************************* 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 | 4.750 | 4.000 | 4.375 | 4.000 | ------ | ------ | | >$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 | 5.000 | 4.125 | 4.500 | 4.125 | ------ | ------ | | >$484K | 5.250 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.500 | 3.250 | 3.375 | 3.250 | 2.875 | 3.250 | | APR | 3.524 | 3.329 | 3.450 | 3.338 | 2.927 | 3.303 | | | | >$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 | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ | | APR | 4.913 | 4.147 | 4.427 | 4.115 | ------ | ------ | | | ******************************* 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 | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ | | >$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 | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ | | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.500 | 3.250 | 3.375 | 3.250 | 2.875 | 3.250 | | APR | 3.538 | 3.354 | 3.470 | 3.375 | 2.941 | 3.317 | | | | >$484K | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.031 | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ | | APR | 4.928 | 4.173 | 4.448 | 4.152 | ------ | ------ | | | ******************************* 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 | 4.000 | 3.625 | 3.625 | 3.500 | ------ | ------ | | >$484K | ------ | 4.375 | ------ | ------ | ------ | ------ | | Jumbo | ------ | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 4.000 | 4.250 | 4.000 | ------ | ------ | | >$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 | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 | | APR | 3.512 | 3.290 | 3.489 | 3.281 | 2.896 | 3.272 | | | | >$484K | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.010 | ------ | ------ | ------ | ------ | | | | Jumbo | ------ | 4.000 | ------ | ------ | ------ | ------ | | APR | ------ | 4.000 | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ | | APR | 4.514 | 3.915 | 4.130 | 3.796 | ------ | ------ | |
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 |
