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»【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年9月26日星期一
SUMMARY：今天（2022年9月26日星期一）美房貸二級市場的利率價格和上周五相比大幅變差。目前加州30年固定的零費用重貸利率漲至6.75%的高位；購房貸款50萬左右，30年固定的利率漲至6.625% with 0 point, plus closing cost (APR 6.669%)。
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 | 6.750 | ------ | 6.625 | ------ | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | | | 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 | 6.625 | ------ | 6.500 | 6.000 | ------ | ------ | | APR | 6.669 | ------ | 6.557 | 6.128 | ------ | ------ | | | | $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 | 6.750 | ------ | 6.625 | ------ | ------ | ------ | | $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 | 6.625 | ------ | 6.500 | 6.000 | ------ | ------ | | APR | 6.637 | ------ | 6.516 | 6.056 | ------ | ------ | | | | $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 | ------ | ------ | 6.750 | ------ | ------ | ------ | | $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 | 6.625 | ------ | 6.500 | 6.000 | ------ | ------ | | APR | 6.629 | ------ | 6.521 | 6.064 | ------ | ------ | | | | $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 | ------ | ------ | 6.750 | ------ | ------ | ------ | | $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 | 6.500 | 5.875 | 6.500 | 5.875 | ------ | ------ | | APR | 6.544 | 5.946 | 6.510 | 5.948 | ------ | ------ | | | | $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 | 6.625 | ------ | 6.625 | ------ | ------ | ------ | | $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 | 6.625 | ------ | 6.500 | 6.000 | ------ | ------ | | APR | 6.618 | ------ | 6.507 | 6.039 | ------ | ------ | | | | $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 | ------ | ------ | ------ | ------ | ------ | ------ | | $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 | 6.625 | 6.000 | 6.500 | 5.875 | ------ | ------ | | APR | 6.632 | 6.070 | 6.525 | 5.973 | ------ | ------ | | | | $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 | ------ | ------ | ------ | ------ | ------ | ------ | | $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 | 6.625 | 6.000 | 6.500 | 5.875 | ------ | ------ | | APR | 6.643 | 6.088 | 6.540 | 5.999 | ------ | ------ | | | | $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 | 6.750 | ------ | 6.625 | ------ | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | | | 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 | 6.625 | ------ | 6.500 | 6.000 | ------ | ------ | | APR | 6.637 | ------ | 6.515 | 6.055 | ------ | ------ | | | | $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 |
