【今日房貸利率】CA, FL, GA, IL, MD, TX, VA, WA - 2021年2月23日星期二

SUMMARY：今天（2月23日星期二）的利率價格和昨天相比繼續變差。中國有句古話，“病來如山倒，病區如抽絲”。房貸利率的表現類似，上漲幾乎是一夜之間的事情，但下跌時則是一步一步地緩慢下滑。在過去的一個多星期裏，長期利率上漲幅度驚人，30年固定的重貸利率已經上漲了近0.375%！所以建議大家不要期望利率抄底，應盡快下手鎖定利率。

目前加州重新貸款51萬的利率，30年固定的零費用重貸利率漲至3.25%，15年固定為2.375%；購房貸款50萬左右，30年固定的利率漲至2.875%，15年仍為2.25% with 0 point, plus closing cost。

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。

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/apply-now

******************************* CALIFORNIA ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 $510K 3.250 2.375 3.125 2.250 ------ ------ $650K ------ 2.750 ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ 2.500 3.500 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.250 2.875 2.125 ------ ------ APR 2.920 2.261 2.911 2.244 ------ ------   $650K ------ 2.375 ------ ------ ------ ------ APR ------ 2.450 ------ ------ ------ ------   Jumbo 4.500 4.000 ------ ------ 4.250 4.500 APR 4.520 4.045 ------ ------ 4.289 4.527   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 2.750 3.375 2.750 ------ ------ APR 3.403 2.860 3.391 2.813 ------ ------   ******************************* MARYLAND ******************************* (Based on Conforming Loan $510K, 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 $510K 3.250 2.375 3.125 2.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ 2.500 3.500 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.250 2.875 2.125 ------ ------ APR 2.895 2.215 2.875 2.177 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 2.750 3.250 2.750 ------ ------ APR 3.408 2.892 3.397 2.850 ------ ------   ******************************* VIRGINIA ******************************* (Based on Conforming Loan $510K, 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 $510K 3.375 2.375 3.375 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ 2.875 ------ 2.750 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.250 2.875 2.125 ------ ------ APR 2.888 2.220 2.879 2.184 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 2.750 3.375 2.750 ------ ------ APR 3.410 2.895 3.396 2.855 ------ ------   ******************************* TEXAS ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 $300K 3.375 2.375 3.375 2.375 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ ------ ------ ------ ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 2.875 2.125 2.750 2.125 ------ ------ APR 2.881 2.172 2.800 2.168 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.500 3.125 3.375 3.125 ------ ------ APR 3.522 3.252 3.406 3.221 ------ ------   ******************************* ILLINOIS ******************************* (Based on Conforming Loan $510K, Jumbo Loan $900K. 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 $510K 3.000 2.250 2.875 2.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 2.375 3.375 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.250 2.875 2.125 ------ ------ APR 2.879 2.205 2.867 2.161 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 2.750 3.375 2.750 ------ ------ APR 3.401 2.856 3.386 2.804 ------ ------   ******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K 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 $300K ------ 3.000 ------ 2.875 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ ------ ------ ------ ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 2.875 2.125 2.875 2.125 ------ ------ APR 2.890 2.188 2.883 2.191 ------ ------   $600K 4.500 4.000 ------ ------ 4.250 4.500 APR 4.499 4.009 ------ ------ 4.268 4.506   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.500 3.125 3.375 3.000 ------ ------ APR 3.564 3.152 3.406 3.081 ------ ------   ******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 $300K 3.625 2.500 3.500 2.375 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ 3.125 ------ 3.000 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 2.875 2.125 2.875 2.125 ------ ------ APR 2.899 2.204 2.896 2.215 ------ ------   $600K 4.500 4.000 ------ ------ 4.250 4.500 APR 4.504 4.017 ------ ------ 4.273 4.511   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.500 3.125 3.375 3.000 ------ ------ APR 3.567 3.156 3.411 3.095 ------ ------   ******************************* WASHINGTON ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 $510K 3.250 2.250 3.125 2.250 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ 2.500 3.500 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.250 2.875 2.125 ------ ------ APR 2.894 2.214 2.875 2.176 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   Jumbo 4.500 4.000 ------ ------ 4.250 4.500 APR 4.492 3.996 ------ ------ 4.261 4.499   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 2.750 3.375 2.750 ------ ------ APR 3.400 2.857 3.388 2.810 ------ ------

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