【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年8月4日星期四

SUMMARY：今天（2022年8月4日星期四）美房贷二级市场的利率价格和昨天相比变好。目前加州30年固定的零费用重贷利率降至4.875%，15年固定降至4.25%；购房贷款50万左右，30年固定的利率降至4.75% with 0 point, plus closing cost (APR 4.800%)，15年固定降为4.125% with 0 point, plus closing cost (APR 4.192)。

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 4.875 4.250 4.750 4.250 ------ ------ $650K ------ ----- ------ ------ ------ ------ Jumbo ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.250 4.625 4.875 4.500 ------ ------ $650K ------ ----- ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.125 4.625 4.000 ------ ------ APR 4.800 4.192 4.678 4.123 ------ ------   $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 4.875 4.250 4.750 4.250 ------ ------ $650K ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.250 4.625 4.875 4.500 ------ ------ $650K ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.125 4.625 4.000 ------ ------ APR 4.772 4.144 4.640 4.054 ------ ------   $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 5.000 4.500 4.875 4.375 ------ ------ $650K ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.375 4.750 5.125 4.750 ------ ------ $650K ----- ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.125 4.625 4.000 ------ ------ APR 4.764 4.149 4.644 4.061 ------ ------   $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 5.000 4.500 4.875 4.375 ------ ------ $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 4.625 4.000 4.500 3.875 ------ ------ APR 4.664 4.049 4.539 3.972 ------ ------   $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 4.875 4.250 4.750 4.125 ------ ------ $650K ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.000 4.500 4.875 4.375 ------ ------ $650K ------ ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.125 4.625 4.000 ------ ------ APR 4.755 4.133 4.631 4.038 ------ ------   $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 5.375 4.875 5.250 4.750 ------ ------ $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 4.750 4.000 4.500 4.000 ------ ------ APR 4.767 4.066 4.552 4.068 ------ ------   $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 5.125 4.625 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 5.500 4.875 5.375 4.875 ------ ------ $600K ----- ------ ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $300K 4.750 4.000 4.500 4.000 ------ ------ APR 4.777 4.083 4.566 4.093 ------ ------   $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 4.875 4.250 4.750 4.250 ------ ------ $650K ----- ----- ------ ------ ------ ------ Jumbo ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 5.250 4.625 4.875 4.500 ------ ------ $650K ----- ----- ------ ------ ------ ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM $510K 4.750 4.125 4.625 4.000 ------ ------ APR 4.771 4.143 4.639 4.053 ------ ------   $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