【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月30日星期一

SUMMARY：今天（3月30日星期一）美国股市上涨，美10年期国债回报率大幅下降至0.67%，房贷利率和上周五相比，基本持平，波澜不惊。目前重新贷款50万的利率，30年固定的零费用重贷利率仍为3.375%，15年固定仍为3.125%；购房贷款50万左右，30年固定的利率仍为3.25%，15年降至2.75%。

美联储出重手救市，房贷利率重探新低指日可待！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：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：949-829-3863或888-800-4151。电邮：[e-mail]。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 3.250 3.000 ------ ------ >$484K 3.500 3.250 ------ ------ ------ ------ Jumbo 4.375 3.875 ------ ------ 4.000 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.250 3.375 3.250 ------ ------ >$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 2.750 3.250 2.750 ------ ------ APR 3.259 2.838 3.234 2.852 ------ ------   >$484K 3.375 3.125 ------ ------ ------ ------ APR 3.407 3.183 ------ ------ ------ ------   Jumbo ------ 4.250 ------ ------ ------ ------ APR ------ 4.318 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.250 3.875 4.000 3.750 ------ ------ APR 4.302 3.965 4.071 3.880 ------ ------   ******************************* 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 3.000 3.250 3.000 ------ ------ >$484K 4.500 3.875 ------ ------ 4.000 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.250 3.375 3.125 ------ ------ >$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 ------ ------ APR 3.233 2.790 3.198 2.782 ------ ------   >$484K ------ 4.250 ------ ------ ------ ------ APR ------ 4.279 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.250 3.875 4.000 3.750 ------ ------ APR 4.274 3.916 4.032 3.809 ------ ------   ******************************* 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 ------ ------ >$484K 4.625 4.125 ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.375 3.500 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 ------ ------ APR 3.226 2.796 3.202 2.790 ------ ------   >$484K ------ 4.250 ------ ------ ------ ------ APR ------ 4.283 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 3.875 4.000 3.750 ------ ------ APR 4.152 3.922 4.037 3.818 ------ ------   ******************************* 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 3.375 3.375 3.250 ------ ------ >$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 3.250 2.875 3.125 2.750 ------ ------ APR 3.235 2.912 3.202 2.815 ------ ------   >$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 3.875 3.625 3.750 3.500 ------ ------ APR 3.932 3.726 3.828 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 3.250 3.000 3.250 2.875 ------ ------ >$484K 4.625 4.125 ------ ------ 4.375 ------   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 ------ ------ APR 3.218 2.782 3.191 2.770 ------ ------   >$484K ------ 4.375 ------ ------ ------ ------ APR ------ 4.361 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 3.875 4.000 3.750 ------ ------ APR 4.143 3.908 4.025 3.797 ------ ------   ******************************* 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 3.875 3.625 3.750 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 ------ 4.375 ------ ------ ------ >$484K 5.250 ------ ------ ------ ------ ------   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 ------ ------ APR 3.243 2.928 3.227 2.837 ------ ------   >$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 3.750 3.875 3.625 ------ ------ APR 4.056 3.848 3.952 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 3.500 3.375 3.500 3.250 ------ ------ >$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 4.125 3.875 4.000 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 2.875 3.250 2.750 ------ ------ APR 3.257 2.953 3.246 2.874 ------ ------   >$484K ------ 4.250 ------ ------ ------ ------ APR ------ 4.300 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 3.750 3.875 3.625 ------ ------ APR 4.070 3.874 3.972 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 3.250 3.000 3.250 3.000 ------ ------ >$484K 4.375 3.875 ------ ------ 4.000 4.375 Jumbo 4.375 3.875 ------ ------ 4.000 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.500 3.250 3.375 3.125 ------ ------ >$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 ------ ------ APR 3.232 2.789 3.197 2.781 ------ ------   >$484K ------ 4.250 ------ ------ ------ ------ APR ------ 4.278 ------ ------ ------ ------   Jumbo ------ 4.250 ------ ------ ------ ------ APR ------ 4.268 ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.250 3.875 4.000 3.750 ------ ------ APR 4.273 3.915 4.032 3.808 ------ ------

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