【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 7月20日星期一

SUMMARY：今天（7月20日星期一）的房贷利率价格和上周五相比继续稍微变差，但暂时还没有影响到最终用户能拿到的利率。目前加州重新贷款50万的利率，30年固定的零费用重贷利率目前最低仍可以做到2.875%，15年固定仍维持在2.5%的低点；购房贷款50万左右，30年固定的利率降至2.75%，15年为2.375%。

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。

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 2.875 2.500 2.875 2.500 ------ ------ >$484K 3.125 2.625 ------ ------ ------ ------ 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 3.000 2.625 3.000 2.625 ------ ------ >$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 2.750 2.375 2.750 2.375 ------ ------ APR 2.788 2.444 2.776 2.450 ------ ------   >$484K 3.000 2.625 ------ ------ ------ ------ APR 3.022 2.647 ------ ------ ------ ------   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 3.500 3.125 3.375 3.000 ------ ------ APR 3.549 3.195 3.430 3.128 ------ ------   ******************************* 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 2.875 2.500 2.875 2.500 ------ ------ >$484K 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 3.000 2.625 3.000 2.625 ------ ------ >$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 2.750 2.375 2.750 2.375 ------ ------ APR 2.762 2.397 2.740 2.381 ------ ------   >$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 3.500 3.125 3.375 3.000 ------ ------ APR 3.523 3.147 3.392 3.059 ------ ------   ******************************* 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 2.875 2.500 2.875 2.500 ------ ------ >$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 3.125 2.750 3.000 2.625 ------ ------ >$484K 4.875 4.375 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.750 2.375 2.750 2.375 ------ ------ APR 2.755 2.402 2.744 2.389 ------ ------   >$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 3.375 3.125 3.375 3.000 ------ ------ APR 3.401 3.153 3.397 3.067 ------ ------   ******************************* 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 3.000 2.625 3.000 2.625 ------ ------ >$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 2.750 2.375 2.750 2.375 ------ ------ APR 2.764 2.419 2.757 2.413 ------ ------   >$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 3.250 2.875 3.125 2.750 ------ ------ APR 3.305 2.973 3.202 2.893 ------ ------   ******************************* 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 2.875 2.500 2.750 2.500 ------ ------ >$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 2.750 2.375 2.750 2.375 ------ ------ APR 2.748 2.389 2.733 2.369 ------ ------   >$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 3.375 3.125 3.375 3.000 ------ ------ APR 3.393 3.139 3.386 3.046 ------ ------   ******************************* 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 3.250 2.875 3.125 2.750 ------ ------ >$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 3.750 3.375 3.625 3.250 ------ ------ >$484K 5.250 ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.750 2.375 2.750 2.375 ------ ------ APR 2.773 2.434 2.768 2.436 ------ ------   >$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 3.375 3.000 3.250 2.875 ------ ------ APR 3.418 3.096 3.325 3.015 ------ ------   ******************************* 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 3.125 2.750 3.000 2.625 ------ ------ >$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 3.375 3.125 3.375 3.000 ------ ------ >$484K 5.000 4.375 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$484K 2.750 2.375 2.750 2.375 ------ ------ APR 2.786 2.459 2.788 2.472 ------ ------   >$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 3.375 3.000 3.250 2.875 ------ ------ APR 3.433 3.122 3.345 3.052 ------ ------   **************************** 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 2.875 2.500 2.875 2.500 ------ ------ >$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 3.000 2.625 3.000 2.625 ------ ------ >$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 2.750 2.375 2.750 2.375 ------ ------ APR 2.762 2.396 2.739 2.380 ------ ------   >$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 3.500 3.125 3.375 3.000 ------ ------ APR 3.522 3.147 3.392 3.058 ------ ------

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 (Sorry, this is a requirement by the lender from which the above rates are based) 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