【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年3月25日星期五

SUMMARY：今天（2022年3月25日星期五）美房贷二级市场的利率价格和昨天相比变差。目前加州30年固定的零费用重贷利率涨至4.625%的高位，15年固定涨至4.000；购房贷款50万左右，30年固定的利率涨至4.500% with 0 point, plus closing cost (APR 4.538%)，15年固定涨至3.75% with 0 point, plus closing cost (APR 3.846%)。

即便房贷利率已创过去两年的新高，但在当前高启的通货膨胀率下，贷到就是赚到！这也是目前仍有许多人从增值的房产中通过cash-out refinance来套现，取出的钱用来继续投资或准备未来各类资产的抄底。至于现在稍高的利率，则可等到将来利率回落后再通过refi来把利率降下来。

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/apply-now。

注：除非特别说明，以下列出的利率都是基于本帖底部的贷款参数，并且是带impound account的利率。

******************************* 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 4.625 4.000 4.500 3.875 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.250 4.625 4.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.500 3.750 4.375 3.750 ------ ------ APR 4.538 3.835 4.442 3.846 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   Jumbo ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 4.625 4.000 4.500 3.875 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.250 4.625 4.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.500 3.750 4.375 3.750 ------ ------ APR 4.511 3.787 4.404 3.777 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 4.750 4.250 4.625 4.125 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.875 4.500 4.750 4.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.500 3.750 4.375 3.750 ------ ------ APR 4.523 3.792 4.409 3.784 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 4.750 4.250 4.625 4.125 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 4.875 4.375 4.750 4.250 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 4.625 4.125 4.500 4.000 ------ ------ APR 4.696 4.180 4.579 4.022 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 4.625 4.000 4.500 3.875 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.250 4.625 4.125 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.625 3.750 4.375 3.750 ------ ------ APR 4.664 3.776 4.396 3.781 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 5.000 ------ 4.875 4.500 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 5.125 4.125 5.000 ------ ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 4.500 3.750 4.375 3.750 ------ ------ APR 4.536 3.797 4.412 3.791 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 4.750 4.250 4.625 4.250 ------ ------ $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 4.500 3.750 4.375 3.750 ------ ------ APR 4.566 3.814 4.426 3.816 ------ ------   $600K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   ******************************* 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 4.625 4.000 4.500 3.875 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.250 4.625 4.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.500 3.750 4.375 3.750 ------ ------ APR 4.530 3.786 4.404 3.796 ------ ------   $650K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   Jumbo ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K ------ ------ ------ ------ ------ ------ APR ------ ------ ------ ------ ------ ------

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