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【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月6日星期五

(2020-03-06 10:36:05) 下一個

SUMMARY: 盡管今天（3月6日星期五）美勞工部發布的就業報告顯示，2月份美國新增就業275,000人，失業率從3.6%降至3.5%，但金融市場仍不買賬，道瓊指數繼續大跌超過400點，熱錢繼續湧入美國債市場避險，美10年期國債的回報率今天跌至史無前例的0.74%！真可謂沒有最低，隻有更低！低利率在向你招手，省錢的曙光在前頭！

華爾街之所以忽視2月份靚麗的就業報告，主要還是因為smart money的眼光早已超越了當前的經濟狀況，已經察覺到，新冠病毒在中國的爆發，已經並將會更嚴重地影響各級生產的供應鏈條，將對世界經濟帶來重創，所以會繼續拋售風險資產如股票，而買進安全資產如美國債避險，導致美國債回報率跌跌不休。

但大家不要高興得太早，雖然美國債的回報率跌成狗，但房貸利率隻有小幅波動。其主要原因是房貸行業的處理能力已經超飽和，已無力快速處理日益增多的重貸申請。用原油市場來做類比，現在的情況就好比原油價格大跌，但各大煉油廠已經滿負荷運轉，無法再提煉更多的原油，而且因為購買汽油的人劇增，最終有可能導致加油站的汽油價格反而上漲的現象。

目前重新貸款50萬的利率，30年固定的零費用重貸利率降回3.125%，15年仍為2.75%；購房貸款50萬左右，30年固定的利率降為3.000%，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 3.125 2.750 3.125 2.750 2.625 2.750
>$484K 3.375 2.875 ------ ------ 3.000 ------
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 2.875 3.125
>$484K 3.875 3.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.000 2.750 3.000 2.750 2.375 2.375
APR 3.028 2.695 3.012 2.643 2.412 2.421
 
>$484K 3.250 2.750 ------ ------ 2.750 ------
APR 3.282 2.808 ------ ------ 2.791 ------
 
Jumbo 3.750 3.500 ------ ------ 3.875 3.875
APR 3.787 3.530 ------ ------ 3.892 3.912
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.500 3.125 ------ ------
APR 3.649 3.177 3.541 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 2.750 3.000 2.750 2.625 2.625
>$484K 3.375 3.000 ------ ------ ------ ------
 
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 2.750 2.875 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 3.000 2.750 3.000 2.750 2.375 2.375
APR 3.002 2.648 2.976 2.575 2.387 2.396
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.766 3.492 ------ ------ 3.870 3.891
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.500 3.125 ------ ------
APR 3.623 3.279 3.503 3.105 ------ ------
 
******************************* 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 2.750 3.125 2.750 2.750 2.875
>$484K 3.500 3.250 ------ ------ ------ ------
 
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 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.000 2.750 3.000 2.750 2.375 2.375
APR 2.996 2.653 2.980 2.583 2.390 2.399
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.768 3.496 ------ ------ 3.873 3.893
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.500 3.125 ------ ------
APR 3.676 3.135 3.508 3.113 ------ ------
 
******************************* 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 3.375 2.875 3.250 2.875 ------ ------
>$484K 3.875 3.375 ------ ------ ------ ------
 
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 4.000 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.125 2.750 3.000 2.750 2.375 2.375
APR 3.005 2.670 2.993 2.607 2.417 2.427
 
>$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 3.625 3.125 3.375 3.000 ------ ------
APR 3.620 3.199 3.438 3.118 ------ ------
 
******************************* 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 3.000 2.750 2.500 2.625
>$484K 3.500 3.625 ------ ------ 3.750 3.750
 
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 3.000 2.750 3.000 2.750 2.375 2.375
APR 2.988 2.640 2.969 2.563 2.382 2.392
 
>$484K 3.875 3.500 ------ ------ 3.875 4.000
APR 3.888 3.505 ------ ------ 3.878 3.992
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.500 3.125 ------ ------
APR 3.638 3.121 3.497 3.093 ------ ------
 
******************************* 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 3.375 3.000 3.375 3.000 ------ ------
>$484K 4.000 3.500 ------ ------ ------ ------
 
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 3.125 ------ ------
>$484K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.000 2.750 3.000 2.750 2.375 2.375
APR 3.013 2.685 3.005 2.629 2.416 2.426
 
>$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 3.000 ------ ------
APR 3.634 3.167 3.450 3.140 ------ ------
 
******************************* 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 3.375 3.000 3.375 3.000 ------ ------
>$484K 3.750 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 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 3.000 2.750 3.000 2.750 2.375 2.375
APR 3.027 2.710 3.024 2.665 2.429 2.439
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.778 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 3.000 ------ ------
APR 3.648 3.193 3.470 3.177 ------ ------
 
******************************* 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 3.125 2.750 3.000 2.750 2.625 2.625
>$484K 3.500 3.000 ------ ------ 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 2.750 2.875 3.125
>$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 3.000 2.750 3.000 2.750 2.375 2.375
APR 3.002 2.647 2.975 2.574 2.386 2.396
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.766 3.491 ------ ------ 3.870 3.891
 
Jumbo 3.750 3.500 ------ ------ 3.875 3.875
APR 3.760 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 3.622 3.129 3.503 3.104 ------ ------
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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