SUMMARY：没有最低，只有更低！今天（2月7日星期五）出炉的美劳工部1月份就业报告亮丽，新增工作岗位225,000个，超出华尔街预期。这样好的就业报告，按常理应该造成10年期国债回报率的上涨，并连带房贷利率上浮。但今天10年期国债的回报率的表现却正好相反，不升反降至1.58%，房贷利率也跟着变好。据有关人士推测，之所以会出现这种情况，一是因为前晚欧洲市场的经济数据很差，推高了美债价格；二是受中国股市下跌的影响，造成游资回流美国债避险。但这种情况估计不会持久，也就是说，国债利率连带房贷利率仍有可能会马上掉头回升。目前重新贷款50万的利率，30年又重新跌回3.375%，15年仍然保持在3.00%，购房贷款50万左右，30年固定的利率回落为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lender开始递交房贷申请，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lender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 | 3.500 | 3.125 | ------ | ------ | 3.500 | ------ | | 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 | 3.500 | 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 | 2.875 | 3.125 | | APR | 3.289 | 2.927 | 3.276 | 2.924 | 2.923 | 3.154 | | | | >$484K | 3.375 | 3.000 | ------ | ------ | 3.375 | ------ | | APR | 3.417 | 3.058 | ------ | ------ | 3.397 | ------ | | | | Jumbo | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.756 | 3.780 | ------ | ------ | 4.038 | 4.163 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ | | APR | 3.800 | 3.446 | 3.695 | 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 | | <=$484K | 3.375 | 3.000 | 3.375 | 3.000 | 3.125 | 3.250 | | >$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 | 3.500 | 3.125 | 3.375 | 3.000 | 3.375 | 3.375 | | >$484K | 3.750 | 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 | 3.125 | | APR | 3.262 | 2.879 | 3.239 | 2.855 | 2.897 | 3.127 | | | | >$484K | 3.750 | 3.500 | ------ | ------ | 4.000 | 4.125 | | APR | 3.735 | 3.642 | ------ | ------ | 4.016 | 4.141 | | | | 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 | 3.773 | 3.398 | 3.657 | 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 | | <=$484K | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 | | >$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 | 3.625 | 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 | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 2.875 | 3.125 | | APR | 3.255 | 2.885 | 3.244 | 2.863 | 2.900 | 3.130 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.737 | 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 | 3.625 | 3.375 | ------ | ------ | | APR | 3.766 | 3.403 | 3.661 | 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 | | <=$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 | 3.750 | 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 | | <=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 2.875 | 3.125 | | APR | 3.265 | 2.902 | 3.257 | 2.888 | 2.928 | 3.159 | | | | >$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 | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ | | APR | 3.671 | 3.350 | 3.674 | 3.368 | ------ | ------ | | | ******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, 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 | 3.250 | 2.875 | 3.125 | 3.250 | | >$484K | 3.750 | 3.500 | ------ | ------ | 4.375 | ------ | | | | 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 | 3.125 | | APR | 3.248 | 2.871 | 3.233 | 2.843 | 2.892 | 3.123 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.125 | ------ | | APR | 3.742 | 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 | 3.625 | 3.375 | ------ | ------ | | APR | 3.758 | 3.389 | 3.650 | 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 | | <=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ | | >$484K | 4.000 | 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 | 4.250 | ------ | ------ | ------ | ------ | ------ | | | | 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 | 3.125 | | APR | 3.273 | 2.917 | 3.269 | 2.910 | 2.927 | 3.158 | | | | >$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 | 3.375 | 3.625 | 3.250 | ------ | ------ | | APR | 3.679 | 3.436 | 3.687 | 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 | | <=$484K | 3.625 | 3.250 | 3.500 | 3.125 | ------ | ------ | | >$484K | 4.125 | 4.250 | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ | | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | | | 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 | 3.125 | | APR | 3.287 | 2.942 | 3.288 | 2.947 | 2.941 | 3.172 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.747 | 3.763 | ------ | ------ | 4.028 | 4.153 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.625 | 3.375 | 3.625 | 3.250 | ------ | ------ | | APR | 3.694 | 3.461 | 3.707 | 3.428 | ------ | ------ | | | ******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, 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 | 3.125 | 3.250 | | >$484K | 3.500 | 3.250 | ------ | ------ | 3.500 | ------ | | Jumbo | 3.625 | 3.250 | ------ | ------ | 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 | 3.000 | 3.375 | 3.375 | | >$484K | 3.625 | 3.375 | ------ | ------ | 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 | 3.125 | | APR | 3.262 | 2.878 | 3.239 | 2.854 | 2.896 | 3.127 | | | | >$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.735 | 3.741 | ------ | ------ | 4.016 | 4.141 | | | | Jumbo | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 | | APR | 3.730 | 3.731 | ------ | ------ | 4.010 | 4.135 | | | | INVESTMENT PROPERTY - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | <=$484K | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ | | APR | 3.772 | 3.397 | 3.656 | 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):
- <=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 |
