【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月31日星期二

SUMMARY：今天（3月31日星期二）的房貸利率和昨天相比變差。目前重新貸款50萬的利率，30年固定的零費用重貸利率漲至3.500%，15年固定漲至3.375%；購房貸款50萬左右，30年固定的利率漲至3.375%，15年漲至3.000%。

為什麽美聯儲降息，而房貸利率反而不降反升呢？根本原因還是因為失業人數劇增，借款人不能按時還貸的風險劇增，所以二級市場的房貸打包債券(MBS)乏人問津，導致MBS的價格暴跌，回報率(就是房貸利率)暴漲。美聯儲新一輪的量化寬鬆QE，就是為了解決房貸二級市場因為不還貸風險增高而產生的市場流動性的問題(即缺乏買家)。但美聯儲的量化寬鬆操作轉化成穩定的市場秩序，還需要一定的時間來實現，所以近期房貸利率仍會有大幅度的波動。一旦美聯儲的量化寬鬆操作走入正軌，房貸二級市場穩定下來，房貸利率也會隨之降下來的，請大家耐心等待時機。打壓房貸利率，是曆屆美聯儲和美國政府在經濟衰退或經濟危機中必不可少的利器之一。

美聯儲出重手救市，房貸利率重探新低指日可待！如果你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，然後就耐心等待，等到利率滿意的時候再下手鎖定利率。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。

注：公司原來用了多年的電話號碼在相關的應用升級時突然出了狀況，暫時無法使用。各位請撥打949-829-3863或949-398-0396，查詢當前利率。

奇虎貸款利率查詢電話：949-829-3863或888-800-4151。電郵：[e-mail]。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 3.500 3.375 3.375 3.250 ------ ------ >$484K 3.875 3.875 ------ ------ ------ ------ Jumbo 4.375 3.875 ------ ------ 4.000 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 3.875 3.625 3.750 ------ ------ >$484K 4.375 3.625 4.000 3.500 ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.375 3.000 3.250 3.000 ------ ------ APR 3.394 3.088 3.305 3.102 ------ ------   >$484K 3.625 3.500 ------ ------ ------ ------ APR 3.658 3.577 ------ ------ ------ ------   Jumbo ------ 4.375 ------ ------ ------ ------ APR ------ 4.424 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ 4.500 ------ ------ ------ APR ------ ------ 4.572 ------ ------ ------   ******************************* 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 3.500 3.250 3.375 3.250 ------ ------ >$484K 4.375 3.875 ------ ------ 4.000 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.750 3.750 3.625 3.625 ------ ------ >$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 3.375 3.000 3.250 3.000 ------ ------ APR 3.367 3.040 3.267 3.032 ------ ------   >$484K ------ 4.375 ------ ------ ------ ------ APR ------ 4.385 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ 4.500 ------ ------ ------ APR ------ ------ 4.533 ------ ------ ------   ******************************* 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 3.500 3.500 3.500 3.375 ------ ------ >$484K 4.625 4.125 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 ------ 3.875 4.000 ------ ------ >$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 3.000 3.250 3.000 ------ ------ APR 3.275 3.046 3.272 3.041 ------ ------   >$484K ------ 4.375 ------ ------ ------ ------ APR ------ 4.389 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ 4.500 ------ ------ ------ APR ------ ------ 4.537 ------ ------ ------   ******************************* 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 3.750 3.875 3.625 3.750 ------ ------ >$484K 4.875 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 2.875 3.250 2.875 ------ ------ APR 3.285 2.973 3.285 2.992 ------ ------   >$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 4.375 ------ 4.250 ------ ------ ------ APR 4.433 ------ 4.330 ------ ------ ------   ******************************* 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 3.250 3.375 3.250 ------ ------ >$484K 4.625 4.125 ------ ------ 4.375 ------   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 3.000 3.250 3.000 ------ ------ APR 3.268 3.032 3.261 3.020 ------ ------   >$484K ------ 4.375 ------ ------ ------ ------ APR ------ 4.399 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ 4.500 ------ ------ ------ APR ------ ------ 4.526 ------ ------ ------   ******************************* 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 4.375 ------ 4.250 ------ ------ ------ >$484K 5.125 4.500 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 5.000 4.125 4.500 4.125 ------ ------ >$484K 5.250 ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.250 3.000 3.250 2.875 ------ ------ APR 3.293 3.078 3.297 3.015 ------ ------   >$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 4.500 ------ 4.375 ------ ------ ------ APR 4.557 ------ 4.453 ------ ------ ------   ******************************* 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 4.000 ------ 3.875 4.000 ------ ------ >$484K 4.875 4.250 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ 4.500 ------ ------ ------ >$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 3.000 3.250 2.875 ------ ------ APR 3.307 3.104 3.317 3.052 ------ ------   >$484K ------ 4.375 ------ ------ ------ ------ APR ------ 4.407 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.500 ------ 4.375 ------ ------ ------ APR 4.572 ------ 4.474 ------ ------ ------   ******************************* 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 3.500 3.250 3.375 3.250 ------ ------ >$484K 4.375 3.875 ------ ------ 4.000 4.375 Jumbo 4.375 3.875 ------ ------ 4.000 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.750 3.750 3.625 3.625 ------ ------ >$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 3.375 3.000 3.250 3.000 ------ ------ APR 3.367 3.039 3.267 3.031 ------ ------   >$484K ------ 4.375 ------ ------ ------ ------ APR ------ 4.385 ------ ------ ------ ------   Jumbo ------ 4.375 ------ ------ ------ ------ APR ------ 4.375 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K ------ ------ 4.500 ------ ------ ------ APR ------ ------ 4.532 ------ ------ ------

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