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

(2020-03-11 12:01:26) 下一个

SUMMARY：今天（3月11日星期三）华尔街股市继续震荡，虽然道琼指数又回头跌下去1,300多点，但美10年期国债回报率却继续回涨至0.77%，房贷利率继前两天连续多次调高后，今天继续向上微涨。美国房贷利率还真就变得跟中石化的汽油价格一个德性了——原油价格（国债回报率）涨，它涨；原油价格跌，它还涨！

当前房贷利率?市场呈现出三个於以往不同的现象，即：

1、受各家lender的产能所限，房贷利率和美10年期国债的回报率基本完全脱钩。在未来几周内，房贷利率将不会和国债回报率联动，也就是说，国债回报率下跌，别指望房贷利率跟着下跌；

2、短期利率(15年固定)和长期利率(30年固定)的差距，比以前要缩小不少。这主要是因为利率曲线倒挂造成的。现在15年固定的利率和30年固定的利率相差不了太多，您在选择15年固定时，需要衡量一下每个月多付那么多贷款月供是否值得；

3、自住屋和投资房的利率差距，在进一步扩大。以前同样的房贷金额，自住屋和投资屋的利率相差约.375%~.500%；现在这利差则扩大至近1.000%。也就是说，现在是重贷自住屋的好时机，但对投资屋并不一定是。

目前重新贷款50万的利率，30年固定的零费用重贷利率仍维持在3.375%，15年涨至3.125%；购房贷款50万左右，30年固定的利率维持在3.25%，15年仍为2.75%。值得注意的是，5/1 & 7/1 ARM的自住屋房贷利率是新亮点，$50万左右的自住屋购房贷款，7/1 ARM目前可以做到2.5% with 0 point啦。

顺便提醒一下：如果想锁定一个理想的利率，你首先应尽快选定一家贷款公司开始递交房贷申请，着手准备材料，然后等到利率满意的时候下手锁定利率。现在重新贷款的人很多，各家贷款公司都在满负荷运转；同时现在利率变好通常维持的时间很短，如果你等到利率变好的当天再下手开始申请，很有可能会贻误时机。<<— 这一点在前两天得到了完美的验证！

奇虎贷款利率查询电话：888-800-4151 或 949-398-0396。电邮：apply@tigerloans.com。官网网址：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：以上凡是没有表明利率的loan program，意味着该program做不了no point的贷款，需要收point才能做。

奇虎贷款NMLS ID: 1169300

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