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【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月20日星期五

(2020-03-21 17:57:26) 下一个

SUMMARY：今天（3月20日星期五）美国股市先涨后跌，美10年期国债的回报率大跌16%至0.938%。这说明美联储已经开始了新一轮的QE操作。但房贷利率受行业产能的限制，虽时有微调，但仍然居高不下，已经回到了年初的水平；具体到今天，那就是30年固定，不同利率之间的价格差在重新拉开（对重贷是好消息），15年固定和30年固定之间的利率差在扩大，也就是说利率曲线反转的趋势在房贷领域有所缓解，这是不是意味着smart money对美国经济的前景开始谨慎乐观了呢？另外投资房的利率，依然是差得一塌糊涂。

目前重新贷款50万的利率，30年固定的零费用重贷利率降至3.875%，15年固定爆跌至3.25%；购房贷款50万左右，30年固定的利率继续上涨至3.625%，15年跌至3.125%。

在这样的一个利率上下剧烈震荡的大环境下，如果你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，然后就耐心等待，等到利率满意的时候再下手锁定利率。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。

注：上周公司原来用了多年的电话号码在相关的应用升级时突然出了状况，暂时无法使用。各位请拨打949-829-3863或949-398-0396，查询当前利率。

奇虎贷款利率查询电话：888-800-4151 或 949-829-3863。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 3.875 3.250 3.875 3.250 ------ ------
>$484K 4.250 3.750 ------ ------ ------ ------
Jumbo ------ 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.750 4.250 3.625 ------ ------
>$484K 4.375 3.625 4.125 3.500 ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.125 3.500 3.125 2.875 3.125
APR 3.665 3.177 3.555 3.175 2.923 3.173
 
>$484K 4.125 3.375 ------ ------ ------ ------
APR 4.169 3.452 ------ ------ ------ ------
 
Jumbo ------ 3.750 ------ ------ ------ ------
APR ------ 3.798 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ 4.000 ------ ------
APR ------ ------ ------ 4.131 ------ ------
 
******************************* 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 3.875 3.250 3.750 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 4.375 3.625 4.125 3.500 ------ ------
>$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 3.625 3.125 3.500 3.125 2.875 3.125
APR 3.638 3.129 3.518 3.105 2.897 3.147
 
>$484K ------ 3.750 ------ ------ ------ ------
APR ------ 3.760 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ 4.000 ------ ------
APR ------ ------ ------ 4.060 ------ ------
 
******************************* 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 4.000 3.375 3.875 3.375 ------ ------
>$484K ------ 4.250 ------ ------ ------ ------
 
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 4.875 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  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
APR 3.526 3.135 3.522 3.113 2.900 3.150
 
>$484K ------ 3.750 ------ ------ ------ ------
APR ------ 3.764 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ 4.000 ------ ------
APR ------ ------ ------ 4.068 ------ ------
 
******************************* 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 4.500 3.750 4.250 3.625 ------ ------
>$484K 4.875 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 3.500 3.125 3.500 3.125 2.875 3.125
APR 3.535 3.152 3.535 3.138 2.928 3.179
 
>$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 ------ 4.000 ------ 3.875 ------ ------
APR ------ 4.083 ------ 4.021 ------ ------
 
******************************* 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 3.875 3.250 3.625 3.125 3.250 3.500
>$484K ------ 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 3.500 3.125 3.500 3.125 2.875 3.125
APR 3.518 3.121 3.511 3.093 2.892 3.142
 
>$484K ------ 3.750 ------ ------ ------ ------
APR ------ 3.773 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ 4.000 ------ ------
APR ------ ------ ------ 4.047 ------ ------
 
******************************* 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 ------ 3.875 ------ ------
>$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 5.000 4.125 4.500 4.125 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  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
APR 3.544 3.167 3.547 3.160 2.927 3.178
 
>$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 ------ 4.000 ------ 4.000 ------ ------
APR ------ 4.099 ------ 4.116 ------ ------
 
******************************* 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 4.500 3.750 4.375 3.750 ------ ------
>$484K ------ 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ 4.000 ------ ------
>$484K 5.000 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  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
APR 3.558 3.193 3.567 3.197 2.941 3.192
 
>$484K ------ 3.750 ------ ------ ------ ------
APR ------ 3.781 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ 4.000 ------ 4.000 ------ ------
APR ------ 4.125 ------ 4.154 ------ ------
 
******************************* 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 3.875 3.250 3.750 3.250 ------ ------
>$484K ------ 4.000 ------ ------ ------ ------
Jumbo ------ 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 3.625 4.125 3.500 ------ ------
>$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 3.625 3.125 3.500 3.125 2.875 3.125
APR 3.637 3.129 3.517 3.104 2.896 3.147
 
>$484K ------ 3.750 ------ ------ ------ ------
APR ------ 3.760 ------ ------ ------ ------
 
Jumbo ------ 3.750 ------ ------ ------ ------
APR ------ 3.750 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ ------ 4.000 ------ ------
APR ------ ------ ------ 4.059 ------ ------

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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