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【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月11日星期三

(2020-03-11 12:01:26) 下一個

SUMMARY：今天（3月11日星期三）華爾街股市繼續震蕩，雖然道瓊指數又回頭跌下去1,300多點，但美10年期國債回報率卻繼續回漲至0.77%，房貸利率繼前兩天連續多次調高後，今天繼續向上微漲。美國房貸利率還真就變得跟中石化的汽油價格一個德性了——原油價格（國債回報率）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仍維持在3.375%，15年漲至3.125%；購房貸款50萬左右，30年固定的利率維持在3.25%，15年仍為2.75%。值得注意的是，5/1 & 7/1 ARM的自住屋房貸利率是新亮點，$50萬左右的自住屋購房貸款，7/1 ARM目前可以做到2.5% with 0 point啦。

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。<<— 這一點在前兩天得到了完美的驗證！

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 3.125 3.375 3.000 2.750 2.875
>$484K 3.625 3.250 ------ ------ ------ ------
Jumbo 4.000 3.875 ------ ------ 4.000 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.500 3.125 3.250 3.500
>$484K 4.500 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.250 2.750 2.500 2.500
APR 3.279 2.820 3.262 2.825 2.537 2.547
 
>$484K 3.375 3.125 ------ ------ 3.000 ------
APR 3.417 3.147 ------ ------ 3.041 ------
 
Jumbo 4.125 3.625 ------ ------ 3.875 4.000
APR 4.163 3.655 ------ ------ 3.912 4.027
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.500 ------ ------
APR 4.302 3.715 4.196 3.630 ------ ------
 
******************************* 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 3.000 3.250 2.875 2.750 2.750
>$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 3.500 3.125 3.375 3.125 3.125 3.375
>$484K 4.500 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.250 2.750 2.500 2.500
APR 3.252 2.772 3.225 2.756 2.512 2.521
 
>$484K 4.125 3.625 ------ ------ 3.875 4.000
APR 4.141 3.617 ------ ------ 3.891 4.006
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.500 ------ ------
APR 4.274 3.666 4.157 3.559 ------ ------
 
******************************* 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 3.125 3.375 3.125 2.875 3.125
>$484K ------ 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 3.250 3.625 3.250 ------ ------
>$484K 4.875 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.250 2.750 2.500 2.500
APR 3.246 2.778 3.230 2.764 2.515 2.524
 
>$484K 4.125 3.625 ------ ------ 3.875 4.000
APR 4.143 3.621 ------ ------ 3.893 4.008
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.500 ------ ------
APR 4.266 3.672 4.162 3.567 ------ ------
 
******************************* 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 3.625 3.250 3.500 3.125 ------ ------
>$484K 4.500 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 3.250 2.750 3.250 2.750 2.500 2.500
APR 3.255 2.794 3.243 2.789 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 4.250 3.500 3.875 3.375 ------ ------
APR 4.277 3.575 3.954 3.493 ------ ------
 
******************************* 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 2.875 2.625 2.750
>$484K 3.875 3.750 ------ ------ 4.000 ------
 
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 2.750 3.250 2.750 2.500 2.500
APR 3.238 2.764 3.219 2.744 2.507 2.517
 
>$484K 4.250 3.625 ------ ------ 4.000 4.000
APR 4.253 3.630 ------ ------ 3.992 4.013
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.500 ------ ------
APR 4.258 3.657 4.151 3.547 ------ ------
 
******************************* 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 4.000 3.375 3.875 3.375 ------ ------
>$484K 4.875 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 3.750 4.375 3.750 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 2.750 3.250 2.750 2.500 2.500
APR 3.263 2.810 3.255 2.811 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 4.250 3.625 4.000 3.375 ------ ------
APR 4.281 3.698 4.077 3.516 ------ ------
 
******************************* 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 3.875 3.375 3.625 3.250 ------ ------
>$484K ------ 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.500 ------ ------
>$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 2.750 3.250 2.750 2.500 2.500
APR 3.277 2.835 3.274 2.848 2.555 2.564
 
>$484K 4.125 3.625 ------ ------ 3.875 4.000
APR 4.153 3.638 ------ ------ 3.903 4.018
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.000 3.375 ------ ------
APR 4.296 3.683 4.097 3.553 ------ ------
 
******************************* 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 3.000 3.250 2.875 2.750 2.750
>$484K 3.750 3.875 ------ ------ 3.750 ------
Jumbo 4.750 3.875 ------ ------ 3.750 ------
 
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 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 3.250 2.750 2.500 2.500
APR 3.252 2.771 3.225 2.755 2.511 2.521
 
>$484K 4.125 3.625 ------ ------ 3.875 4.000
APR 4.141 3.616 ------ ------ 3.891 4.005
 
Jumbo 4.125 3.625 ------ ------ 3.875 4.000
APR 4.135 3.607 ------ ------ 3.885 4.000
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 3.625 4.125 3.500 ------ ------
APR 4.273 3.665 4.157 3.558 ------ ------

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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