【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月14日星期五

奇虎贷款

奇虎贷款
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SUMMARY：先祝大家情人节快乐！今天（2月14日星期五）的房贷利率价格和昨天相比继续些微变好。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
3.375 3.000 3.375 3.000 3.250 3.250
>$484K 3.500 3.125 ------ ------ 3.500 ------
Jumbo 3.875 3.500 ------ ------ 3.750 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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
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 3.512 3.058 ------ ------ 3.397 ------
 
Jumbo 3.750 3.750 ------ ------ 4.000 4.125
APR 3.736 3.780 ------ ------ 4.027 4.153
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.750 3.375 ------ ------
APR 3.905 3.446 3.806 3.451 ------ ------
 
******************************* 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
3.375 3.000 3.375 3.000 3.250 3.250
>$484K 3.875 3.500 ------ ------ 3.500 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.500 3.000 3.375 3.375
>$484K 3.750 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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 3.715 3.742 ------ ------ 4.006 4.131
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.750 3.375 ------ ------
APR 3.877 3.398 3.768 3.381 ------ ------
 
******************************* 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
3.375 3.000 3.375 3.000 3.250 3.375
>$484K 3.500 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.250 3.500 3.125 ------ ------
>$484K 3.875 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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 3.717 3.746 ------ ------ 4.008 4.133
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.375 3.750 3.375 ------ ------
APR 3.776 3.403 3.772 3.390 ------ ------
 
******************************* 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
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
3.750 3.500 4.125 3.750 ------ ------
>$484K 4.000 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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 4.125 3.875 ------ ------ 3.875 4.250
APR 4.145 3.846 ------ ------ 3.890 4.260
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.250 3.625 3.250 ------ ------
APR 3.681 3.350 3.689 3.368 ------ ------
 
******************************* 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
3.375 3.000 3.375 2.875 3.125 3.250
>$484K 3.750 3.500 ------ ------ 3.500 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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 ------ ------ 4.000 4.125
APR 3.722 3.755 ------ ------ 4.013 4.138
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.375 3.750 3.375 ------ ------
APR 3.768 3.389 3.761 3.369 ------ ------
 
******************************* 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
3.625 3.250 3.625 3.250 ------ ------
>$484K 3.875 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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
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
3.750 3.375 3.625 3.250 ------ ------
APR 3.794 3.436 3.701 3.391 ------ ------
 
******************************* 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
3.625 3.250 3.500 3.125 ------ ------
>$484K 3.750 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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
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 3.727 3.763 ------ ------ 4.018 4.143
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.375 3.625 3.250 ------ ------
APR 3.809 3.461 3.721 3.428 ------ ------
 
******************************* 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
3.375 3.000 3.375 3.000 3.250 3.250
>$484K 3.500 3.250 ------ ------ 3.375 ------
Jumbo 3.750 3.500 ------ ------ 3.625 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.500 3.000 3.375 3.375
>$484K 3.750 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
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 3.715 3.741 ------ ------ 4.005 4.130
 
Jumbo 3.750 3.750 ------ ------ 4.000 4.125
APR 3.709 3.731 ------ ------ 4.000 4.125
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.750 3.375 ------ ------
APR 3.877 3.397 3.767 3.380 ------ ------

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):
- - - - - - 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

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