【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 10月20日星期二

SUMMARY：今天（10月20日星期二）的房贷利率价格和昨天相比继续变差。目前加州重新贷款51万的利率，30年固定的零费用重贷利率为2.75%，15年固定暂时还能维持在2.375%；购房贷款50万左右，30年固定的利率为2.625%，15年为2.25% with 0 point, plus closing cost。

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 $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 $510K 2.750 2.375 2.625 2.375 ------ ------ $650K 3.000 2.625 ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.500 2.875 2.500 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.625 2.250 2.500 2.250 ------ ------ APR 2.644 2.278 2.549 2.265 ------ ------   $650K 2.875 2.500 ------ ------ ------ ------ APR 2.906 2.539 ------ ------ ------ ------   Jumbo ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 3.125 3.125 3.000 ------ ------ APR 3.420 3.208 3.189 3.121 ------ ------   ******************************* MARYLAND ******************************* (Based on Conforming Loan $510K, 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 $510K 2.750 2.375 2.625 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.500 2.875 2.500 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.625 2.250 2.500 2.250 ------ ------ APR 2.616 2.233 2.514 2.199 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 3.125 3.125 3.000 ------ ------ APR 3.395 3.161 3.153 3.053 ------ ------   ******************************* VIRGINIA ******************************* (Based on Conforming Loan $510K, 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 $510K 2.750 2.375 2.750 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.625 2.875 2.625 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.500 2.250 2.500 2.250 ------ ------ APR 2.522 2.238 2.518 2.252 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.250 3.125 3.125 3.000 ------ ------ APR 3.273 3.166 3.157 3.060 ------ ------   ******************************* TEXAS ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 $300K 2.750 2.375 2.750 2.375 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ ------ ------ ------ ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 2.500 2.250 2.500 2.125 ------ ------ APR 2.516 2.229 2.509 2.193 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.000 2.875 3.000 2.750 ------ ------ APR 3.036 2.941 3.037 2.845 ------ ------   ******************************* ILLINOIS ******************************* (Based on Conforming Loan $510K, Jumbo Loan $900K. 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 $510K 2.625 2.375 2.625 2.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.750 2.375 2.750 2.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.500 2.250 2.500 2.250 ------ ------ APR 2.513 2.222 2.506 2.183 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.250 3.125 3.125 3.000 ------ ------ APR 3.264 3.151 3.145 3.037 ------ ------   ******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K 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 $300K 3.000 2.750 2.875 2.625 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.375 3.250 3.250 3.125 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 2.500 2.250 2.500 2.125 ------ ------ APR 2.524 2.242 2.521 2.217 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.125 3.000 3.000 2.875 ------ ------ APR 3.160 3.064 3.049 2.968 ------ ------   ******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 $300K 2.875 2.500 2.875 2.500 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.000 2.750 3.000 2.750 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 2.500 2.250 2.500 2.125 ------ ------ APR 2.533 2.259 2.534 2.241 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 3.125 3.000 3.000 2.875 ------ ------ APR 3.169 3.081 3.062 2.993 ------ ------   ******************************* WASHINGTON ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 $510K 2.750 2.375 2.625 2.250 ------ ------ $650K 2.750 2.500 ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.875 2.500 2.875 2.500 ------ ------ $650K 3.125 2.750 ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 2.625 2.250 2.500 2.250 ------ ------ APR 2.615 2.232 2.513 2.198 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   Jumbo ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 3.375 3.125 3.125 3.000 ------ ------ APR 3.395 3.161 3.153 3.052 ------ ------

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; - <=60% for Primary Residence Conforming Cash-Out Refinance; - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%); - <=60% 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