【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月12日星期四

奇虎贷款

奇虎贷款
没有最低，只有更低！
首页 文章页 文章列表 博文目录
给我悄悄话
打印 被阅读次数

SUMMARY：昨晚和新冠病毒相关的坏消息不断，美国关闭了除英国以外与欧洲间的航线，Tom Hanks夫妇在澳大利亚感染新冠病毒，等等，今天（3月12日星期四）华尔街股市开盘后暴跌，创下自1987年以来最大的跌幅！房贷利率也继续这几天暴涨的脚步，今天各家lender纷纷多次调高房贷利率。

目前重新贷款50万的利率，30年固定的零费用重贷利率继续上涨至3.500%，15年仍为3.125%；购房贷款50万左右，30年固定的利率仍勉强维持在3.25%，15年涨至2.875%。值得注意的是，5/1 & 7/1 ARM的自住屋房贷利率是新亮点，$50万左右的自住屋购房贷款，7/1 ARM目前仍然可以做到2.5% with 0 point。

之所以房贷利率会变差，归根到底还是由房贷债券市场供需失衡决定了的。金融市场里没有足够的买家去买房贷打包债券(Mortgage-Backed Security，简称MBS)，所以MBS的价格涨不上去，相应的回报率(也就是房贷利率)则降不下来。估计MBS的潜在买家们担心花高价买了MBS，如果利率再跌，那借款人就会大概率重贷走了，这样MBS的投资者们会赔钱，所以干脆不买MBS，转而去追捧美国债。这也意味着，随着房贷利率和国债回报率之间的利差扩大，最终smart money为了追求回报率，在市场稳定下来以后还是会回头抢购房贷打包债券的，那时便是房贷利率掉头走低的时候。敬请大家一起来关注！

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。

屋漏偏逢连夜雨——今天公司原来用了多年的电话号码突然出了状况，暂时无法使用。各位请拨打949-398-0396或949-829-3863，查询当前利率。

奇虎贷款利率查询电话：888-800-4151 或 949-398-0396。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
3.500 3.125 3.375 3.000 2.750 2.875
>$484K 3.875 3.250 ------ ------ ------ ------
Jumbo 4.250 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.625 3.250 3.250 3.500
>$484K 4.375 3.625 4.000 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 2.750 2.500 2.500
APR 3.299 2.927 3.290 2.878 2.537 2.547
 
>$484K 3.500 3.125 ------ ------ 3.000 ------
APR 3.543 3.201 ------ ------ 3.041 ------
 
Jumbo 4.250 3.625 ------ ------ 4.000 4.000
APR 4.278 3.637 ------ ------ 4.017 4.038
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 3.750 4.250 3.750 ------ ------
APR 4.516 3.840 4.307 3.853 ------ ------
 
******************************* 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
3.500 3.000 3.375 3.000 2.750 2.750
>$484K 3.875 3.750 ------ ------ ----- ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.500 3.250 3.125 3.375
>$484K 4.750 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 2.750 2.500 2.500
APR 3.272 2.879 3.253 2.808 2.512 2.521
 
>$484K 4.250 3.625 ------ ------ 4.000 4.000
APR 4.256 3.599 ------ ------ 3.995 4.016
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 3.750 4.250 3.750 ------ ------
APR 4.588 3.791 4.268 3.783 ------ ------
 
******************************* 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
3.500 3.125 3.500 3.125 2.875 3.125
>$484K ------ 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.375 3.875 3.375 ------ ------
>$484K 4.500 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.250 2.875 3.250 2.750 2.500 2.500
APR 3.265 2.885 3.258 2.817 2.515 2.524
 
>$484K 4.250 3.625 ------ ------ 4.000 4.000
APR 4.258 3.602 ------ ------ 3.998 4.018
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.750 4.250 3.750 ------ ------
APR 4.427 3.797 4.273 3.791 ------ ------
 
******************************* TEXAS *******************************
(Based on Conforming Loan $300K, 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
3.750 3.250 3.625 3.250 ------ ------
>$484K 4.500 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.125 3.750 ------ ------
>$484K 5.000 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.250 2.750 3.250 2.750 2.500 2.500
APR 3.275 2.830 3.271 2.841 2.543 2.552
 
>$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
4.375 3.625 4.000 3.500 ------ ------
APR 4.422 3.726 4.079 3.645 ------ ------
 
******************************* 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
3.500 3.000 3.375 2.875 2.625 2.750
>$484K 4.000 3.750 ------ ------ 4.250 ------
 
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 2.750 2.500 2.500
APR 3.258 2.871 3.247 2.796 2.507 2.517
 
>$484K 4.250 3.625 ------ ------ 4.000 4.125
APR 4.263 3.611 ------ ------ 4.003 4.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.750 4.250 3.750 ------ ------
APR 4.419 3.782 4.261 3.770 ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $300K, 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
4.125 3.625 4.000 3.500 ------ ------
>$484K 5.125 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.375 4.000 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.250 2.750 3.250 2.750 2.500 2.500
APR 3.283 2.846 3.283 2.863 2.541 2.551
 
>$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
4.375 3.750 4.125 3.625 ------ ------
APR 4.396 3.830 4.202 3.767 ------ ------
 
******************************* GEORGIA *******************************
(Based on Conforming Loan $300K, 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
3.875 3.375 3.875 3.375 ------ ------
>$484K ------ 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.250 3.750 ------ ------
>$484K 5.000 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.250 2.750 3.250 2.750 2.500 2.500
APR 3.297 2.871 3.302 2.900 2.555 2.564
 
>$484K 4.250 3.625 ------ ------ 4.000 4.000
APR 4.268 3.619 ------ ------ 4.007 4.028
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.750 4.125 3.625 ------ ------
APR 4.411 3.856 4.223 3.804 ------ ------
 
******************************* 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 2.750 2.750
>$484K 4.000 3.750 ------ ------ ----- ------
Jumbo 4.750 3.750 ------ ------ ----- ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.500 3.250 3.125 3.375
>$484K 4.750 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.250 2.875 3.250 2.750 2.500 2.500
APR 3.272 2.878 3.253 2.807 2.511 2.521
 
>$484K 4.250 3.625 ------ ------ 4.000 4.000
APR 4.255 3.598 ------ ------ 3.995 4.016
 
Jumbo 4.250 3.625 ------ ------ 4.000 4.000
APR 4.250 3.588 ------ ------ 3.990 4.010
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 3.750 4.250 3.750 ------ ------
APR 4.588 3.790 4.267 3.782 ------ ------

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

登录后才可评论.