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

(2020-03-03 10:59:48) 下一個

SUMMARY：今天（3月3日星期二），美聯儲給大家送上大禮包——緊急降息0.5%！但美聯儲降息，是否就意味著房貸利率也會應聲回落呢？。。。

我換個角度來問這個問題：如果歐佩克（鏈接）通過增產決議，來打壓原油價格使其下跌，那我們在加油站看到的油價，是不是也會跟著下跌呢？答案是不一定。因為我們在加油站看到的油價，除了受原油價格的影響，還受製於各煉油廠的產能和營銷戰略，以及當地市場的供求情況等等因素的影響。各地的汽油價格不同，如德州的要比加州的低很多，Shell、Chevron、Arco等加油站之間的價格，也會因各自的產能和市場戰略而互不相同。如果因為病毒傳染的恐慌，引發消費者蜂擁至各個加油站去囤積汽油，那麽盡管原油價格在下跌，消費者能加到的汽油價格，卻是有可能不降反升的哦。

現在回來說房貸利率。美聯儲降息，實際上是通過親自參與債券市場的操作，來降低美聯儲預定的目標利率（target rate）；而這個所謂的目標利率，則是其它各種重要利率，如銀行放貸給自己最優質的公司客戶的利率，房貸利率等等，的基礎。如果你把美聯儲看作是歐佩克，美聯儲降的那個息（即目標利率）看作是原油價格，各家lender看作是那些石油精煉廠，那房貸利率就是在加油站我們這些消費者能拿到的汽油零售價。很多時候比如說現在，當煉油廠（lender）因為受產能限製，無法應對蜂擁而來的恐慌性搶購，就會決定暫時提高在自己加油站（loan agent）的汽油零售價（mortgage rate），這樣做，一來可以控製汽油銷售量爆棚無法交貨，二來可以補償自己員工加班加點生產所產生的額外費用。

總之，美聯儲降息，房貸利率基本上是會跟著下跌；但如果因美聯儲降息過猛，造成過量的refinance需求，那麽房貸利率的下跌幅度，則有可能沒有美聯儲降息的幅度那麽大。歸根到底，房貸利率是由供需雙方的市場關係來決定的。

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年仍保持在2.875%；購房貸款50萬左右，30年固定的利率為3.125%，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。

奇虎貸款利率查詢電話：888-800-4151 或 949-529-0113。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 3.250 2.875 3.250 2.750 2.750 2.875
>$484K 3.375 3.000 ------ ------ 3.125 ------
Jumbo 3.750 3.625 ------ ------ 3.750 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.375 2.875 3.250 2.875 3.000 3.125
>$484K 3.750 3.250 ------ ------ ------ ------
 
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 3.154 2.766 3.137 2.747 2.749 2.874
 
>$484K 3.250 2.875 ------ ------ 3.000 ------
APR 3.282 2.915 ------ ------ 3.022 ------
 
Jumbo 3.750 3.500 ------ ------ 3.875 3.875
APR 3.726 3.530 ------ ------ 3.892 3.912
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.375 3.125 ------ ------
APR 3.539 3.177 3.444 3.175 ------ ------
 
******************************* 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 2.750 2.750 2.875
>$484K 3.375 3.500 ------ ------ 3.625 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.375 2.875 3.250 2.875 3.000 3.125
>$484K 3.625 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 3.137 2.736 3.114 2.704 2.723 2.848
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.705 3.492 ------ ------ 3.870 3.891
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 ------ ------
APR 3.523 3.147 3.503 3.131 ------ ------
 
******************************* 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 2.875 3.250 2.875 2.875 3.000
>$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 3.000 3.375 3.000 ------ ------
>$484K 3.875 3.875 ------ ------ ------ ------
 
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 3.130 2.742 3.119 2.712 2.726 2.851
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.707 3.496 ------ ------ 3.873 3.893
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 ------ ------
APR 3.516 3.153 3.508 3.139 ------ ------
 
******************************* 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 3.250 2.875 ------ ------
>$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 3.625 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 3.000 2.750 2.750 2.875
APR 3.140 2.759 3.076 2.736 2.755 2.880
 
>$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 3.375 3.125 3.375 3.000 ------ ------
APR 3.430 3.170 3.438 3.144 ------ ------
 
******************************* 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 3.250 2.750 3.125 2.750 2.750 2.875
>$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 ------ ------ ------ ------ ------ ------
>$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 2.750 2.875
APR 3.123 2.728 3.108 2.692 2.719 2.844
 
>$484K 3.750 3.500 ------ ------ 3.875 4.000
APR 3.712 3.505 ------ ------ 3.878 3.992
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 ------ ------
APR 3.508 3.139 3.497 3.119 ------ ------
 
******************************* 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 3.375 3.125 3.375 3.000 ------ ------
>$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 3.625 3.250 3.625 3.250 ------ ------
>$484K 4.000 ------ ------ ------ ------ ------
 
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 3.148 2.774 3.144 2.759 2.753 2.878
 
>$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 3.625 3.125 3.375 3.125 ------ ------
APR 3.634 3.185 3.450 3.186 ------ ------
 
******************************* 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 3.000 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 3.500 3.125 3.500 3.125 ------ ------
>$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 2.750 3.125 2.750 2.750 2.875
APR 3.162 2.799 3.163 2.795 2.767 2.892
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.716 3.513 ------ ------ 3.882 3.903
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.375 3.125 ------ ------
APR 3.648 3.211 3.470 3.223 ------ ------
 
******************************* 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 2.750 2.750 2.875
>$484K 3.375 3.250 ------ ------ 3.625 ------
Jumbo 3.750 3.625 ------ ------ 3.625 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.375 2.875 3.250 2.875 3.000 3.125
>$484K 3.750 3.625 ------ ------ 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 3.137 2.736 3.114 2.703 2.723 2.848
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.704 3.491 ------ ------ 3.870 3.891
 
Jumbo 3.750 3.500 ------ ------ 3.875 3.875
APR 3.699 3.482 ------ ------ 3.865 3.885
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.500 3.125 ------ ------
APR 3.682 3.147 3.503 3.130 ------ ------
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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