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

(2020-03-03 10:59:48) 下一个

SUMMARY：今天（3月3日星期二），美联储给大家送上大礼包——紧急降息0.5%！但美联储降息，是否就意味着房贷利率也会应声回落呢？。。。

我换个角度来问这个问题：如果欧佩克（链接）通过增产决议，来打压原油价格使其下跌，那我们在加油站看到的油价，是不是也会跟着下跌呢？答案是不一定。因为我们在加油站看到的油价，除了受原油价格的影响，还受制于各炼油厂的产能和营销战略，以及当地市场的供求情况等等因素的影响。各地的汽油价格不同，如德州的要比加州的低很多，Shell、Chevron、Arco等加油站之间的价格，也会因各自的产能和市场战略而互不相同。如果因为病毒传染的恐慌，引发消费者蜂拥至各个加油站去囤积汽油，那么尽管原油价格在下跌，消费者能加到的汽油价格，却是有可能不降反升的哦。

现在回来说房贷利率。美联储降息，实际上是通过亲自参与债券市场的操作，来降低美联储预定的目标利率（target rate）；而这个所谓的目标利率，则是其它各种重要利率，如银行放贷给自己最优质的公司客户的利率，房贷利率等等，的基础。如果你把美联储看作是欧佩克，美联储降的那个息（即目标利率）看作是原油价格，各家lender看作是那些石油精炼厂，那房贷利率就是在加油站我们这些消费者能拿到的汽油零售价。很多时候比如说现在，当炼油厂（lender）因为受产能限制，无法应对蜂拥而来的恐慌性抢购，就会决定暂时提高在自己加油站（loan agent）的汽油零售价（mortgage rate），这样做，一来可以控制汽油销售量爆棚无法交货，二来可以补偿自己员工加班加点生产所产生的额外费用。

总之，美联储降息，房贷利率基本上是会跟着下跌；但如果因美联储降息过猛，造成过量的refinance需求，那么房贷利率的下跌幅度，则有可能没有美联储降息的幅度那么大。归根到底，房贷利率是由供需双方的市场关系来决定的。

目前重新贷款50万的利率，30年仍保持在近8年的最低点3.25%，15年仍保持在2.875%；购房贷款50万左右，30年固定的利率为3.125%，15年仍为2.75%。

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。

奇虎贷款利率查询电话：888-800-4151 或 949-529-0113。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 3.250 2.875 3.250 2.750 2.750 2.875
>$484K 3.375 3.000 ------ ------ 3.125 ------
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 3.000 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 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.154 2.766 3.137 2.747 2.749 2.874
 
>$484K 3.250 2.875 ------ ------ 3.000 ------
APR 3.282 2.915 ------ ------ 3.022 ------
 
Jumbo 3.750 3.500 ------ ------ 3.875 3.875
APR 3.726 3.530 ------ ------ 3.892 3.912
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.375 3.125 ------ ------
APR 3.539 3.177 3.444 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 2.875 3.250 2.750 2.750 2.875
>$484K 3.375 3.500 ------ ------ 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 2.875 3.000 3.125
>$484K 3.625 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.137 2.736 3.114 2.704 2.723 2.848
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.705 3.492 ------ ------ 3.870 3.891
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 ------ ------
APR 3.523 3.147 3.503 3.131 ------ ------
 
******************************* 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 2.875 3.250 2.875 2.875 3.000
>$484K 3.500 3.500 ------ ------ ------ ------
 
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 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.130 2.742 3.119 2.712 2.726 2.851
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.707 3.496 ------ ------ 3.873 3.893
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 ------ ------
APR 3.516 3.153 3.508 3.139 ------ ------
 
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, 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 3.250 2.875 ------ ------
>$484K 3.625 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.500 3.625 3.750 ------ ------
>$484K 3.875 3.750 ------ ------ ------ ------
 
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 2.750 2.875
APR 3.140 2.759 3.076 2.736 2.755 2.880
 
>$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 3.375 3.125 3.375 3.000 ------ ------
APR 3.430 3.170 3.438 3.144 ------ ------
 
******************************* 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 3.125 2.750 2.750 2.875
>$484K 3.625 3.500 ------ ------ ------ ------
 
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 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.123 2.728 3.108 2.692 2.719 2.844
 
>$484K 3.750 3.500 ------ ------ 3.875 4.000
APR 3.712 3.505 ------ ------ 3.878 3.992
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.500 3.125 ------ ------
APR 3.508 3.139 3.497 3.119 ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, 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 3.125 3.375 3.000 ------ ------
>$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 3.625 3.250 3.625 3.250 ------ ------
>$484K 4.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.148 2.774 3.144 2.759 2.753 2.878
 
>$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 3.125 ------ ------
APR 3.634 3.185 3.450 3.186 ------ ------
 
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, 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 3.625 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 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.162 2.799 3.163 2.795 2.767 2.892
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.716 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 3.125 ------ ------
APR 3.648 3.211 3.470 3.223 ------ ------
 
******************************* 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 3.250 2.875 3.250 2.750 2.750 2.875
>$484K 3.375 3.250 ------ ------ 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 2.875 3.000 3.125
>$484K 3.750 3.625 ------ ------ 3.750 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.125 2.750 3.125 2.750 2.750 2.875
APR 3.137 2.736 3.114 2.703 2.723 2.848
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.704 3.491 ------ ------ 3.870 3.891
 
Jumbo 3.750 3.500 ------ ------ 3.875 3.875
APR 3.699 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 3.682 3.147 3.503 3.130 ------ ------
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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