【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年6月27日星期一

SUMMARY：今天（2022年6月27日星期一）美房贷二级市场的利率价格和上周五相比变差。目前加州30年固定的零费用重贷利率为5.625%，15年固定为5.000%；购房贷款50万左右，30年固定的利率为5.500% with 0 point, plus closing cost (APR 5.552%)，15年固定为4.75% with 0 point, plus closing cost (APR 4.818%)。

即便房贷利率再创新高，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趁着现在房价仍处于高位还没有回落，从已增值的房产中通过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。至于现在高的利率，则可等到将来利率回落后再通过重新贷款来把利率降下来。

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 5.625 5.000 5.500 4.875 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.875 5.375 5.750 5.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.500 4.750 5.375 4.750 ------ ------ APR 5.552 4.818 5.430 4.820 ------ ------   $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 5.625 5.000 5.500 4.875 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.875 5.375 5.750 5.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.500 4.750 5.375 4.750 ------ ------ APR 5.523 4.769 5.390 4.761 ------ ------   $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 5.750 5.250 5.625 5.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 6.000 ------ 5.750 5.500 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.500 4.750 5.375 4.750 ------ ------ APR 5.515 4.774 5.395 4.758 ------ ------   $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 5.750 5.250 5.625 5.250 ------ ------ $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 5.375 4.625 5.250 4.625 ------ ------ APR 5.416 4.694 5.305 4.697 ------ ------   $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 5.625 4.875 5.500 4.750 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.750 5.250 5.625 5.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.500 4.750 5.375 4.750 ------ ------ APR 5.505 4.758 5.381 4.734 ------ ------   $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 6.000 ------ 5.875 ------ ------ ------ $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 5.500 4.750 5.375 4.625 ------ ------ APR 5.518 4.779 5.399 4.721 ------ ------   $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 5.750 5.375 5.750 5.250 ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 6.000 ------ 5.875 ------ ------ ------ $600K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 5.500 4.750 5.375 4.625 ------ ------ APR 5.528 4.797 5.413 4.747 ------ ------   $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 5.625 5.000 5.500 4.875 ------ ------ $650K ------ ------ ------ ------ ------ ------ Jumbo ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.875 5.375 5.750 5.250 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.500 4.750 5.375 4.750 ------ ------ APR 5.522 4.768 5.390 4.759 ------ ------   $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