SUMMARY：随着金融市场对新冠病毒的恐慌逐渐消退，今天（2月12日星期三）的股市继续回升。房贷利率价格和昨天相比继续变差，但暂时还没有反映到利率上来。目前重新贷款50万的利率，30年仍维持在3.375%，15年仍然保持在3.00%，购房贷款50万左右，30年固定的利率仍为3.25%，15年仍为2.875%。
顺便提醒一下：如果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，然后等到利率满意的时候下手锁定利率。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：888-800-4151 或 949-529-0113。电邮：apply@tigerloans.com。官网网址：www.tigerloans.com
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 $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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 | | >$484K | 3.625 | 3.125 | ------ | ------ | 3.500 | ------ | | Jumbo | 3.875 | 3.500 | ------ | ------ | 4.000 | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.625 | 3.125 | 3.500 | 3.125 | 3.500 | 3.625 | | >$484K | 3.750 | 3.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.299 | 2.927 | 3.290 | 2.924 | 3.038 | 3.163 | | | | >$484K | 3.500 | 3.000 | ------ | ------ | 3.375 | ------ | | APR | 3.522 | 3.076 | ------ | ------ | 3.407 | ------ | | | | Jumbo | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.746 | 3.780 | ------ | ------ | 4.038 | 4.163 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.750 | 3.375 | ------ | ------ | | APR | 3.905 | 3.464 | 3.806 | 3.478 | ------ | ------ | | | ******************************* 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 | | >$484K | 3.625 | 3.500 | ------ | ------ | 3.625 | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.500 | 3.125 | 3.500 | 3.125 | 3.375 | 3.500 | | >$484K | 3.750 | 3.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.272 | 2.879 | 3.253 | 2.855 | 3.012 | 3.137 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.725 | 3.742 | ------ | ------ | 4.016 | 4.141 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.750 | 3.375 | ------ | ------ | | APR | 3.877 | 3.416 | 3.768 | 3.408 | ------ | ------ | | | ******************************* 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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.375 | | >$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ | | >$484K | 3.750 | 3.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.265 | 2.885 | 3.258 | 2.863 | 3.015 | 3.140 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.727 | 3.746 | ------ | ------ | 4.018 | 4.143 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ | | APR | 3.776 | 3.421 | 3.772 | 3.416 | ------ | ------ | | | ******************************* TEXAS *******************************
(Based on Conforming Loan $200K, 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 | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ | | >$484K | 3.750 | 3.500 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.625 | 3.750 | 3.750 | ------ | ------ | | >$484K | 4.000 | 3.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.275 | 2.902 | 3.271 | 2.888 | 3.044 | 3.169 | | | | >$484K | 3.750 | 3.625 | ------ | ------ | 3.500 | 3.750 | | APR | 3.823 | 3.846 | ------ | ------ | 3.628 | 3.890 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.625 | 3.375 | 3.625 | 3.250 | ------ | ------ | | APR | 3.681 | 3.438 | 3.689 | 3.395 | ------ | ------ | | | ******************************* 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 | 3.375 | 3.000 | 3.375 | 2.875 | 3.125 | 3.250 | | >$484K | 3.625 | 3.500 | ------ | ------ | 3.625 | ------ | | | | 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 | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.258 | 2.871 | 3.247 | 2.843 | 3.008 | 3.133 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.125 | ------ | | APR | 3.732 | 3.755 | ------ | ------ | 4.128 | ------ | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ | | APR | 3.768 | 3.407 | 3.761 | 3.395 | ------ | ------ | | | ******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, 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 | 3.625 | 3.375 | 3.625 | 3.250 | ------ | ------ | | >$484K | 3.875 | 3.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.625 | 3.875 | 3.500 | ------ | ------ | | >$484K | 4.125 | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.283 | 2.917 | 3.283 | 2.910 | 3.043 | 3.168 | | | | >$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 | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ | | APR | 3.794 | 3.454 | 3.701 | 3.463 | ------ | ------ | | | ******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, 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 | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ | | >$484K | 3.750 | 3.500 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ | | >$484K | 4.000 | 3.750 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.297 | 2.942 | 3.302 | 2.947 | 3.056 | 3.182 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.737 | 3.763 | ------ | ------ | 4.028 | 4.153 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ | | APR | 3.809 | 3.480 | 3.721 | 3.500 | ------ | ------ | | | ******************************* 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 | | >$484K | 3.500 | 3.375 | ------ | ------ | 3.750 | ------ | | Jumbo | 3.875 | 3.625 | ------ | ------ | 3.750 | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.500 | 3.125 | 3.500 | 3.125 | 3.500 | 3.500 | | >$484K | 3.750 | 3.625 | ------ | ------ | ----- | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 | | APR | 3.272 | 2.878 | 3.253 | 2.854 | 3.012 | 3.137 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.725 | 3.741 | ------ | ------ | 4.016 | 4.141 | | | | Jumbo | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.719 | 3.731 | ------ | ------ | 4.010 | 4.135 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.875 | 3.375 | 3.750 | 3.375 | ------ | ------ | | APR | 3.877 | 3.415 | 3.767 | 3.407 | ------ | ------ | |
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 |
