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【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月10日星期二

(2020-03-10 17:58:22) 下一個

SUMMARY：今天（3月10日星期二）華爾街股市反彈，美10年期國債回報率大漲50%至0.748%收盤，房貸利率繼昨天連續多次調高後，今天繼續上漲。我就納了悶了，這美國房貸利率怎麽變得跟中石化的汽油價格一個德性了——原油價格漲，它漲；原油價格跌，它還漲！

當前房貸利率?市場呈現出三個於以往不同的現象，即：

1、受各家lender的產能所限，房貸利率和美10年期國債的回報率基本完全脫鉤。在未來幾周內，房貸利率將不會和國債回報率聯動，也就是說，國債回報率下跌，別指望房貸利率跟著下跌；

2、短期利率(15年固定)和長期利率(30年固定)的差距，比以前要縮小不少。這主要是因為利率曲線倒掛造成的。現在15年固定的利率和30年固定的利率相差不了太多，您在選擇15年固定時，需要衡量一下每個月多付那麽多貸款月供是否值得；

3、自住屋和投資房的利率差距，在進一步擴大。以前同樣的房貸金額，自住屋和投資屋的利率相差約.375%~.500%；現在這利差則擴大至近1.000%。也就是說，現在是重貸自住屋的好時機，但對投資屋並不一定是。

目前重新貸款50萬的利率，30年固定的零費用重貸利率一夜間飆漲至3.375%，15年漲至3.000%；購房貸款50萬左右，30年固定的利率漲至3.25%，15年仍為2.75%。

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。<<— 這一點在昨天上午得到了完美的驗證！

奇虎貸款利率查詢電話：888-800-4151 或 949-398-0396。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 3.375 3.000 3.250 2.875 2.750 2.875
>$484K 3.500 3.250 ------ ------ ------ ------
Jumbo 3.75 3.750 ------ ------ 3.750 ------
 
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 3.250 3.500
>$484K 3.875 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.125 2.750 2.500 2.500
APR 3.259 2.802 3.179 2.799 2.537 2.547
 
>$484K 3.375 3.000 ------ ------ 3.000 ------
APR 3.387 3.040 ------ ------ 3.041 ------
 
Jumbo 3.875 3.500 ------ ------ 3.875 4.000
APR 3.938 3.566 ------ ------ 3.902 4.017
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.250 3.875 3.250 ------ ------
APR 4.040 3.339 3.931 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 3.375 2.875 3.250 2.875 2.750 2.750
>$484K 3.500 3.125 ------ ------ ------ ------
 
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 3.125 3.375
>$484K 3.625 3.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.125 2.750 2.500 2.500
APR 3.233 2.754 3.142 2.730 2.512 2.521
 
>$484K 4.000 3.500 ------ ------ 3.875 4.000
APR 4.016 3.528 ------ ------ 3.881 3.995
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.250 3.875 3.250 ------ ------
APR 4.013 3.291 3.893 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 3.375 3.000 3.375 3.000 2.875 3.125
>$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 3.500 3.125 3.375 3.125 ------ ------
>$484K 4.000 3.500 ------ ------ ------ ------
 
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 2.500 2.500
APR 3.150 2.760 3.147 2.738 2.515 2.524
 
>$484K 4.000 3.500 ------ ------ 3.875 4.000
APR 4.018 3.532 ------ ------ 3.883 3.998
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.250 ------ ------
APR 4.101 3.396 3.897 3.291 ------ ------
 
******************************* 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 3.500 3.125 3.375 3.000 ------ ------
>$484K 3.875 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.625 4.125 3.750 ------ ------
>$484K 4.250 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.125 2.625 2.500 2.500
APR 3.259 2.776 3.160 2.768 2.543 2.552
 
>$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 3.875 3.375 3.750 3.125 ------ ------
APR 3.896 3.383 3.814 3.269 ------ ------
 
******************************* 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 3.375 2.875 3.250 2.750 2.625 2.750
>$484K 3.625 3.375 ------ ------ 3.875 ------
 
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 3.125 2.750 3.125 2.750 2.500 2.500
APR 3.142 2.746 3.136 2.718 2.507 2.517
 
>$484K 4.125 3.625 ------ ------ 3.875 4.000
APR 4.128 3.593 ------ ------ 3.888 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.875 3.250 ------ ------
APR 4.093 3.382 3.886 3.270 ------ ------
 
******************************* 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 3.750 3.375 3.750 3.125 ------ ------
>$484K 4.125 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.125 3.500 4.000 3.375 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.875 3.125 2.750 2.500 2.500
APR 3.268 2.892 3.172 2.785 2.541 2.551
 
>$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 3.875 3.375 3.750 3.250 ------ ------
APR 3.920 3.389 3.826 3.338 ------ ------
 
******************************* 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 3.625 3.375 3.375 3.125 ------ ------
>$484K 4.000 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.250 3.875 3.250 ------ ------
>$484K 5.000 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 2.750 2.500 2.500
APR 3.282 2.897 3.191 2.821 2.555 2.564
 
>$484K 4.000 3.500 ------ ------ 3.875 4.000
APR 4.028 3.549 ------ ------ 3.892 4.007
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.375 3.750 3.250 ------ ------
APR 4.134 3.394 3.847 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 3.375 2.875 3.250 2.875 2.750 2.750
>$484K 3.625 3.125 ------ ------ 3.875 ------
Jumbo 3.750 3.750 ------ ------ 4.125 ------
 
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 3.125 3.375
>$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 2.750 3.125 2.750 2.500 2.500
APR 3.232 2.753 3.142 2.729 2.511 2.521
 
>$484K 4.000 3.500 ------ ------ 3.875 4.000
APR 4.016 3.528 ------ ------ 3.880 3.995
 
Jumbo 4.000 3.500 ------ ------ 3.875 4.000
APR 4.010 3.518 ------ ------ 3.875 3.990
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.000 3.250 3.875 3.250 ------ ------
APR 4.012 3.290 3.892 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

 

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