【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 4月16日星期四

SUMMARY：今天（4月16日星期四）公布的最新申领失业救济人数的报告显示，上周全美新增五百二十四万五千(5.245 million)失业人数，致使美国疫情爆发以来的失业总人数已达到惊人的两千两百万(22 million)。有华尔街的经济学家预测，每周新增加的失业人数在未来几周内应该放缓，失业总人数将继续上升，但上升的幅度在减小。

这对房贷市场而言，可不是什么好消息！要知道，疫情一日不放缓，失业人数增加的脚步就不会停下来；失业人数继续增加，将导致更多的借款人无法按时缴纳房贷月供，而这将导致房贷打包债券(MBS)在二级市场上无人问津，因为现在谁买房贷谁赔钱。最终只有美联储的无限量QE才是终极解决方案。但现在美联储和各级政府的头等大事是想方设法遏制住这失业狂潮，下一步才能腾出手来，通过QE来打压房贷利率的方式，帮助居民家庭减负。到那时，房贷利率将进一步下降，30年固定跌破3%，将不再是可望不可及的神话。

今天的房贷利率和昨天没有变化。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3.25%，15年固定为2.75%；购房贷款50万左右，30年固定的利率可以做到3.125%，15年可以做到2.625%。

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 3.250 2.750 3.125 2.750 ------ ------ >$484K 3.500 3.375 ------ ------ ------ ------ 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 3.375 3.500 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 2.875 3.250 2.750 ------ ------ APR 3.269 2.945 3.248 2.878 ------ ------   >$484K 3.375 3.250 ------ ------ ------ ------ APR 3.417 3.290 ------ ------ ------ ------   Jumbo 4.000 3.750 ------ ------ 3.875 4.125 APR 4.037 3.789 ------ ------ 3.887 4.156   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 ------ 3.875 ------ ------ ------ APR 4.176 ------ 3.945 ------ ------ ------   ******************************* 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 2.750 3.125 2.750 ------ ------ >$484K 3.500 3.000 ------ ------ 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 4.750 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 ------ ------ APR 3.242 2.897 3.212 2.808 ------ ------   >$484K 4.000 3.750 ------ ------ 3.875 4.125 APR 4.016 3.752 ------ ------ 3.866 4.135   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 ------ 3.875 ------ ------ ------ APR 4.148 ------ 3.907 ------ ------ ------   ******************************* 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 3.000 3.125 3.000 ------ ------ >$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 3.625 3.625 3.500 3.500 ------ ------ >$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 2.875 3.250 2.750 ------ ------ APR 3.236 2.903 3.216 2.817 ------ ------   >$484K 4.000 3.750 ------ ------ 3.875 4.125 APR 4.018 3.756 ------ ------ 3.868 4.137   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 ------ 3.875 ------ ------ ------ APR 4.026 ------ 3.912 ------ ------ ------   ******************************* 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 3.3.75 2.875 3.250 2.875 ------ ------ >$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 2.750 3.125 2.750 ------ ------ APR 3.245 2.830 3.202 2.841 ------ ------   >$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 4.000 3.750 3.875 ------ ------ APR 3.921 4.102 3.828 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 3.250 2.750 3.125 2.750 ------ ------ >$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 2.875 3.250 2.750 ------ ------ APR 3.228 2.889 3.205 2.796 ------ ------   >$484K 4.375 3.875 ------ ------ 4.000 4.375 APR 4.370 3.871 ------ ------ 3.999 4.377   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.000 ------ 3.875 ------ ------ ------ APR 4.018 ------ 3.900 ------ ------ ------   ******************************* 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 4.000 3.750 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 4.375 ------ 4.250 ------ ------ ------ >$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 ------ ------ APR 3.253 2.846 3.241 2.863 ------ ------   >$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 3.875 ------ 3.875 4.000 ------ ------ APR 3.930 ------ 3.937 4.143 ------ ------   ******************************* 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 3.000 3.125 3.000 ------ ------ >$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 4.000 ------ 3.875 ------ ------ ------ >$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 ------ ------ APR 3.267 2.871 3.260 2.900 ------ ------   >$484K 4.125 3.875 ------ ------ 3.875 4.250 APR 4.153 3.861 ------ ------ 3.899 4.269   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 3.875 ------ 3.875 4.000 ------ ------ APR 3.945 ------ 3.958 4.181 ------ ------   ****************************** 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 2.750 3.125 2.750 ------ ------ >$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 3.250 ------ ------ >$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 ------ ------ APR 3.242 2.896 3.211 2.807 ------ ------   >$484K 4.000 3.750 ------ ------ 3.875 4.125 APR 4.016 3.751 ------ ------ 3.866 4.135   Jumbo 4.000 3.750 ------ ------ 3.875 4.125 APR 4.010 3.741 ------ ------ 3.860 4.129   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 4.125 ------ 3.875 ------ ------ ------ APR 4.148 ------ 3.906 ------ ------ ------

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