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»【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 9月24日星期四
SUMMARY：今天（9月24日星期四）的房貸利率價格和昨天相比基本持平。目前加州重新貸款51萬的利率，30年固定的零費用重貸利率目前仍為2.75%，15年固定的利率仍為2.5%；購房貸款50萬左右，30年固定的利率為2.75%，15年為2.375%。
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：apply@tigerloans.com。官網網址：www.tigerloans.com
******************************* 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 | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | | $650K | 3.000 | 2.625 | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.875 | 2.500 | 2.875 | 2.500 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.750 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.756 | 2.350 | 2.674 | 2.313 | ------ | ------ | | | | $650K | 2.875 | 2.500 | ------ | ------ | ------ | ------ | | APR | 2.906 | 2.557 | ------ | ------ | ------ | ------ | | | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.625 | 3.250 | 3.375 | 3.125 | ------ | ------ | | APR | 3.672 | 3.333 | 3.440 | 3.246 | ------ | ------ | | | ******************************* 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 | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | | $650K | 2.875 | 2.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.750 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.731 | 2.305 | 2.639 | 2.247 | ------ | ------ | | | | $650K | 4.500 | 4.000 | ------ | ------ | 4.250 | 4.500 | | APR | 4.498 | 4.007 | ------ | ------ | 4.267 | 4.505 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.625 | 3.250 | 3.375 | 3.125 | ------ | ------ | | APR | 3.645 | 3.286 | 3.403 | 3.178 | ------ | ------ | | | ******************************* 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 | 2.875 | 2.500 | 2.875 | 2.375 | ------ | ------ | | $650K | 3.000 | 2.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.000 | 2.625 | 3.000 | 2.625 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.647 | 2.310 | 2.643 | 2.254 | ------ | ------ | | | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.500 | 3.250 | 3.375 | 3.125 | ------ | ------ | | APR | 3.523 | 3.292 | 3.407 | 3.185 | ------ | ------ | | | ******************************* 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 | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | | $600K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | Inquire | Inquire | Inquire | Inquire | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 2.625 | 2.375 | 2.500 | 2.375 | ------ | ------ | | APR | 2.641 | 2.299 | 2.550 | 2.237 | ------ | ------ | | | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 3.250 | 3.000 | 3.125 | 2.875 | ------ | ------ | | APR | 3.286 | 3.066 | 3.176 | 2.971 | ------ | ------ | | | ******************************* 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 | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.875 | 2.500 | 2.875 | 2.375 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.739 | 2.394 | 2.631 | 2.331 | ------ | ------ | | | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.500 | 3.250 | 3.375 | 3.125 | ------ | ------ | | APR | 3.514 | 3.276 | 3.395 | 3.162 | ------ | ------ | | | ******************************* 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 | 3.000 | 2.750 | 3.000 | 2.625 | ------ | ------ | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 3.625 | 3.375 | 3.500 | 3.250 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.650 | 2.314 | 2.646 | 2.261 | ------ | ------ | | | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 3.375 | 3.125 | 3.250 | 3.000 | ------ | ------ | | APR | 3.411 | 3.189 | 3.300 | 3.093 | ------ | ------ | | | ******************************* 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 | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 3.125 | 2.875 | 3.000 | 2.750 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.659 | 2.331 | 2.659 | 2.285 | ------ | ------ | | | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 3.375 | 3.125 | 3.250 | 3.000 | ------ | ------ | | APR | 3.420 | 3.206 | 3.313 | 3.118 | ------ | ------ | | | ******************************* 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 | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | | $650K | 2.875 | 2.750 | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.000 | 2.625 | 2.875 | 2.500 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 2.750 | 2.375 | 2.625 | 2.375 | ------ | ------ | | APR | 2.781 | 2.394 | 2.638 | 2.246 | ------ | ------ | | | | $650K | 2.875 | 2.625 | ------ | ------ | ------ | ------ | | APR | 2.928 | 2.726 | ------ | ------ | ------ | ------ | | | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 3.125 | 3.000 | 3.125 | 3.000 | ------ | ------ | | APR | 3.245 | 3.186 | 3.103 | 3.077 | ------ | ------ | |
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 |
