【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月27日星期四

SUMMARY：今天（2月27星期四）美國股市受新冠病毒病例增加的影響，道瓊指數狂跌1,190點，創下曆史上最大的跌幅。美10年期國債的回報率跌破1.300%的防線，下探1.299%的史低位置，房貸二級市場的利率價格也隨之變好。目前重新貸款50萬的利率，30年仍保持在近8年的最低點3.25%，15年仍然保持在3.00%，購房貸款50萬左右，30年固定的利率仍為3.25%，15年仍為2.875%。

同時，利率曲線倒掛(yield curve inversion)的現象越來越明顯，也就是說短期利率（如10年固定、15年固定）和長期利率（如30年固定）之間的差距在縮小，因而出現了30年固定的長期利率在下跌，而10年固定或15年固定的短期利率卻基本維持不動的景觀。

順便提醒一下：如果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，然後等到利率滿意的時候下手鎖定利率。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：888-800-4151 或 949-529-0113。電郵：[e-mail]。官網網址：www.tigerloans.com

******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484, 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 3.250 2.875 3.250 2.875 3.000 3.125 >$484K 3.375 3.000 ------ ------ 3.250 ------ Jumbo 3.750 3.750 ------ ------ 3.500 ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.375 3.000 3.375 3.000 3.250 3.250 >$484K 3.625 3.625 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.250 2.875 3.125 2.875 2.750 2.875 APR 3.239 2.873 3.193 2.846 2.778 2.903   >$484K 3.375 3.000 ------ ------ 3.125 ------ APR 3.367 3.004 ------ ------ 3.167 ------   Jumbo 3.750 3.625 ------ ------ 3.875 4.000 APR 3.726 3.637 ------ ------ 3.902 4.017   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.250 3.500 3.250 ------ ------ APR 3.675 3.339 3.569 3.352 ------ ------   ******************************* 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 3.250 2.875 3.250 2.875 2.875 3.000 >$484K 3.500 3.500 ------ ------ 3.500 ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.375 3.000 3.375 3.000 3.250 3.250 >$484K 3.625 3.750 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.250 2.875 3.125 2.875 2.750 2.875 APR 3.213 2.826 3.156 2.777 2.752 2.877   >$484K 3.750 3.625 ------ ------ 3.875 4.000 APR 3.705 3.599 ------ ------ 3.881 3.995   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.250 3.500 3.250 ------ ------ APR 3.648 3.291 3.532 3.283 ------ ------   ******************************* 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 3.250 3.000 3.250 3.000 3.000 3.125 >$484K 3.500 3.500 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.375 3.125 3.375 3.000 ------ ------ >$484K 3.750 3.750 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.250 2.875 3.125 2.875 2.750 2.875 APR 3.206 2.831 3.161 2.785 2.755 2.880   >$484K 3.750 3.625 ------ ------ 3.875 4.000 APR 3.707 3.602 ------ ------ 3.883 3.998   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.250 3.500 3.250 ------ ------ APR 3.641 3.296 3.536 3.291 ------ ------   ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, 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 3.375 3.000 3.375 3.000 ------ ------ >$484K 3.625 3.500 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.500 4.125 3.750 ------ ------ >$484K 3.875 3.750 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.125 2.750 3.125 2.750 2.750 2.875 APR 3.169 2.848 3.174 2.867 2.784 2.909   >$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 3.500 3.250 3.500 3.125 ------ ------ APR 3.545 3.313 3.549 3.269 ------ ------   ******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo 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 3.250 2.875 3.250 2.875 2.875 3.000 >$484K 3.500 3.500 ------ ------ 3.500 ------   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 3.250 2.875 3.125 2.875 2.750 2.875 APR 3.198 2.817 3.150 2.765 2.748 2.873   >$484K 3.750 3.625 ------ ------ 3.875 4.000 APR 3.712 3.611 ------ ------ 3.888 4.003   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.250 3.500 3.250 ------ ------ APR 3.633 3.282 3.525 3.270 ------ ------   ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, 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 3.500 3.250 3.500 3.125 ------ ------ >$484K 3.750 3.625 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 3.500 3.750 3.375 ------ ------ >$484K 4.125 ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.125 2.875 3.125 2.750 2.750 2.875 APR 3.178 2.863 3.186 2.890 2.782 2.908   >$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 3.500 3.250 3.500 3.250 ------ ------ APR 3.554 3.329 3.561 3.338 ------ ------   ******************************* GEORGIA ******************************* (Based on Conforming Loan $200K, 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 3.375 3.125 3.375 3.000 ------ ------ >$484K 3.625 3.500 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.250 3.500 3.250 ------ ------ >$484K 4.000 3.750 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.125 2.875 3.125 2.750 2.750 2.875 APR 3.192 2.888 3.205 2.926 2.796 2.921   >$484K 3.750 3.625 ------ ------ 3.875 4.000 APR 3.716 3.619 ------ ------ 3.892 4.007   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.250 3.500 3.250 ------ ------ APR 3.568 3.354 3.581 3.375 ------ ------   ******************************* 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 3.250 2.875 3.250 2.875 2.875 3.000 >$484K 3.375 3.250 ------ ------ 3.500 ------ Jumbo 3.750 3.750 ------ ------ 3.625 ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.375 3.000 3.375 3.000 3.250 3.250 >$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 3.250 2.875 3.125 2.875 2.750 2.875 APR 3.212 2.825 3.156 2.776 2.752 2.877   >$484K 3.750 3.625 ------ ------ 3.875 4.000 APR 3.704 3.598 ------ ------ 3.880 3.995   Jumbo 3.750 3.625 ------ ------ 3.875 4.000 APR 3.699 3.588 ------ ------ 3.875 3.990   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.625 3.250 3.500 3.250 ------ ------ APR 3.647 3.290 3.531 3.281 ------ ------

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