【奇虎房贷问答】
没有最低，只有更低！
SUMMARY：昨晚和新冠病毒相关的坏消息不断，美国关闭了除英国以外与欧洲间的航线，Tom Hanks夫妇在澳大利亚感染新冠病毒，等等，今天（3月12日星期四）华尔街股市开盘后暴跌，创下自1987年以来最大的跌幅！房贷利率也继续这几天暴涨的脚步，今天各家lender纷纷多次调高房贷利率。
目前重新贷款50万的利率，30年固定的零费用重贷利率继续上涨至3.500%，15年仍为3.125%；购房贷款50万左右，30年固定的利率仍勉强维持在3.25%，15年涨至2.875%。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目前仍然可以做到2.5% with 0 point。
之所以房贷利率会变差，归根到底还是由房贷债券市场供需失衡决定了的。金融市场里没有足够的买家去买房贷打包债券(Mortgage-Backed Security，简称MBS)，所以MBS的价格涨不上去，相应的回报率(也就是房贷利率)则降不下来。估计MBS的潜在买家们担心花高价买了MBS，如果利率再跌，那借款人就会大概率重贷走了，这样MBS的投资者们会赔钱，所以干脆不买MBS，转而去追捧美国债。这也意味着，随着房贷利率和国债回报率之间的利差扩大，最终smart money为了追求回报率，在市场稳定下来以后还是会回头抢购房贷打包债券的，那时便是房贷利率掉头走低的时候。敬请大家一起来关注！
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。<<— 这一点在本周几天得到了完美的验证！
屋漏偏逢连夜雨——今天公司原来用了多年的电话号码突然出了状况，暂时无法使用。各位请拨打949-398-0396或949-829-3863，查询当前利率。
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) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.500 | 3.125 | 3.375 | 3.000 | 2.750 | 2.875 |
| >$484K | 3.875 | 3.250 | ------ | ------ | ------ | ------ |
| Jumbo | 4.250 | 3.750 | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.875 | 3.250 | 3.625 | 3.250 | 3.250 | 3.500 |
| >$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 | 3.250 | 2.875 | 3.250 | 2.750 | 2.500 | 2.500 |
| APR | 3.299 | 2.927 | 3.290 | 2.878 | 2.537 | 2.547 |
| >$484K | 3.500 | 3.125 | ------ | ------ | 3.000 | ------ |
| APR | 3.543 | 3.201 | ------ | ------ | 3.041 | ------ |
| Jumbo | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.000 |
| APR | 4.278 | 3.637 | ------ | ------ | 4.017 | 4.038 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| APR | 4.516 | 3.840 | 4.307 | 3.853 | ------ | ------ |
| ******************************* 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 | 3.000 | 3.375 | 3.000 | 2.750 | 2.750 |
| >$484K | 3.875 | 3.750 | ------ | ------ | ----- | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.750 | 3.250 | 3.500 | 3.250 | 3.125 | 3.375 |
| >$484K | 4.750 | 4.125 | ------ | ------ | ----- | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.250 | 2.875 | 3.250 | 2.750 | 2.500 | 2.500 |
| APR | 3.272 | 2.879 | 3.253 | 2.808 | 2.512 | 2.521 |
| >$484K | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.000 |
| APR | 4.256 | 3.599 | ------ | ------ | 3.995 | 4.016 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| APR | 4.588 | 3.791 | 4.268 | 3.783 | ------ | ------ |
| ******************************* 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 | 3.125 | 3.500 | 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 | 3.875 | 3.375 | 3.875 | 3.375 | ------ | ------ |
| >$484K | 4.500 | 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 | 2.750 | 2.500 | 2.500 |
| APR | 3.265 | 2.885 | 3.258 | 2.817 | 2.515 | 2.524 |
| >$484K | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.000 |
| APR | 4.258 | 3.602 | ------ | ------ | 3.998 | 4.018 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| APR | 4.427 | 3.797 | 4.273 | 3.791 | ------ | ------ |
| ******************************* 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 | 3.250 | 3.625 | 3.250 | ------ | ------ |
| >$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 | 3.275 | 2.830 | 3.271 | 2.841 | 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 | 4.375 | 3.625 | 4.000 | 3.500 | ------ | ------ |
| APR | 4.422 | 3.726 | 4.079 | 3.645 | ------ | ------ |
| ******************************* 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 | 3.500 | 3.000 | 3.375 | 2.875 | 2.625 | 2.750 |
| >$484K | 4.000 | 3.750 | ------ | ------ | 4.250 | ------ |
| 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 | 2.875 | 3.250 | 2.750 | 2.500 | 2.500 |
| APR | 3.258 | 2.871 | 3.247 | 2.796 | 2.507 | 2.517 |
| >$484K | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.125 |
| APR | 4.263 | 3.611 | ------ | ------ | 4.003 | 4.128 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| APR | 4.419 | 3.782 | 4.261 | 3.770 | ------ | ------ |
| ******************************* 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 | 4.125 | 3.625 | 4.000 | 3.500 | ------ | ------ |
| >$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 | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
| >$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 | 3.283 | 2.846 | 3.283 | 2.863 | 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 | 4.375 | 3.750 | 4.125 | 3.625 | ------ | ------ |
| APR | 4.396 | 3.830 | 4.202 | 3.767 | ------ | ------ |
| ******************************* 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 | 3.875 | 3.375 | ------ | ------ |
| >$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 | 3.750 | 4.250 | 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 | 3.297 | 2.871 | 3.302 | 2.900 | 2.555 | 2.564 |
| >$484K | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.000 |
| APR | 4.268 | 3.619 | ------ | ------ | 4.007 | 4.028 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | ------ |
| APR | 4.411 | 3.856 | 4.223 | 3.804 | ------ | ------ |
| ******************************* 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 | 3.375 | 3.000 | 2.750 | 2.750 |
| >$484K | 4.000 | 3.750 | ------ | ------ | ----- | ------ |
| Jumbo | 4.750 | 3.750 | ------ | ------ | ----- | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.750 | 3.250 | 3.500 | 3.250 | 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 | 2.875 | 3.250 | 2.750 | 2.500 | 2.500 |
| APR | 3.272 | 2.878 | 3.253 | 2.807 | 2.511 | 2.521 |
| >$484K | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.000 |
| APR | 4.255 | 3.598 | ------ | ------ | 3.995 | 4.016 |
| Jumbo | 4.250 | 3.625 | ------ | ------ | 4.000 | 4.000 |
| APR | 4.250 | 3.588 | ------ | ------ | 3.990 | 4.010 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | ------ |
| APR | 4.588 | 3.790 | 4.267 | 3.782 | ------ | ------ |
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
