【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月24日星期一

奇虎贷款

奇虎贷款
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SUMMARY：受世界各地感染新冠病毒人数激增消息的影响，今天（2月24日星期一）华尔街股市开盘大跌，道琼指数跌幅一度超过1,000点；各路资金纷纷逃离股市，转而购买黄金及美国长期国债等安全资产避险，因此推高了美长期国债（10年期，30年期）的价格，压低了国债的回报率。这种现象传导到房贷二级市场，就是房贷利率跟风下跌！

同时，利率曲线倒挂(yield curve inversion)的现象越来越明显，也就是说短期利率（如10年固定、15年固定）和长期利率（如30年固定）之间的差距在缩小，因而出现了30年固定的长期利率在下跌，而10年固定或15年固定的短期利率却基本维持不动的景观。

目前重新贷款50万的利率，30年跌至近8年的最低点3.25%，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

******************************* 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 3.250 3.000 3.250 2.875 3.125 3.125
>$484K 3.375 3.000 ------ ------ 3.375 ------
Jumbo 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 3.375 3.000 3.375 3.000 3.250 3.250
>$484K 3.625 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 2.875 2.875
APR 3.249 2.891 3.221 2.872 2.913 2.923
 
>$484K 3.375 3.000 ------ ------ 3.250 ------
APR 3.387 3.022 ------ ------ 3.272 ------
 
Jumbo 3.750 3.625 ------ ------ 3.875 4.000
APR 3.716 3.637 ------ ------ 3.912 4.038
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.625 3.250 ------ ------
APR 3.675 3.339 3.666 3.352 ------ ------
 
******************************* 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 3.250 2.875 3.250 2.875 3.000 3.125
>$484K 3.500 3.500 ------ ------ 3.500 ------
 
PRIMARY RESIDENCE - CASH-OUT 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 3.750 ------ ------ ------ ------
 
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 2.875 2.875
APR 3.223 2.844 3.184 2.803 2.887 2.897
 
>$484K 3.750 3.625 ------ ------ 3.875 4.000
APR 3.695 3.599 ------ ------ 3.891 4.016
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.625 3.250 ------ ------
APR 3.648 3.291 3.628 3.283 ------ ------
 
******************************* 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 3.375 3.000 3.250 3.000 3.250 3.250
>$484K 3.500 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.500 3.125 3.375 3.125 ------ ------
>$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 2.875 2.875
APR 3.216 2.849 3.188 2.811 2.890 2.900
 
>$484K 3.500 3.625 ------ ------ 3.875 4.000
APR 3.623 3.602 ------ ------ 3.893 4.018
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.625 3.250 ------ ------
APR 3.641 3.296 3.633 3.291 ------ ------
 
******************************* 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 3.375 3.000 3.375 3.000 ------ ------
>$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 3.500 3.625 3.500 ------ ------
>$484K 3.875 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 2.750 2.875 2.875
APR 3.225 2.866 3.201 2.893 2.919 2.928
 
>$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
<=$484K 3.500 3.250 3.500 3.250 ------ ------
APR 3.555 3.313 3.563 3.315 ------ ------
 
******************************* 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 3.250 2.875 3.250 2.875 3.000 3.125
>$484K 3.625 3.500 ------ ------ 3.500 ------
 
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 2.875 2.875
APR 3.208 2.835 3.177 2.791 2.882 2.892
 
>$484K 3.750 3.625 ------ ------ 4.000 4.125
APR 3.702 3.611 ------ ------ 3.992 4.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.625 3.250 ------ ------
APR 3.633 3.282 3.622 3.270 ------ ------
 
******************************* 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 3.500 3.250 3.500 3.250 ------ ------
>$484K 3.750 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.875 3.500 3.750 3.375 ------ ------
>$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 2.875 2.875
APR 3.234 2.881 3.213 2.858 2.917 2.927
 
>$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 3.625 3.250 3.500 3.250 ------ ------
APR 3.659 3.329 3.576 3.338 ------ ------
 
******************************* 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 3.500 3.125 3.375 3.125 ------ ------
>$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 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 2.875 2.875
APR 3.247 2.906 3.232 2.894 2.931 2.941
 
>$484K 3.750 3.625 ------ ------ 3.875 4.000
APR 3.706 3.619 ------ ------ 3.903 4.028
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.500 3.250 ------ ------
APR 3.673 3.354 3.596 3.375 ------ ------
 
******************************* 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 3.250 2.875 3.250 2.875 3.000 3.125
>$484K 3.500 3.250 ------ ------ 3.500 ------
Jumbo 3.750 3.750 ------ ------ 3.625 ------
 
PRIMARY RESIDENCE - CASH-OUT 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 3.750 3.500 ------ ------ ------ ------
 
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 2.875 2.875
APR 3.222 2.843 3.183 2.802 2.887 2.896
 
>$484K 3.750 3.625 ------ ------ 3.875 4.000
APR 3.694 3.598 ------ ------ 3.891 4.016
 
Jumbo 3.750 3.625 ------ ------ 3.875 4.000
APR 3.689 3.588 ------ ------ 3.885 4.010
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.250 3.625 3.250 ------ ------
APR 3.647 3.290 3.628 3.281 ------ ------
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
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