【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月2日星期一

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SUMMARY：今天（3月2日星期一）美国道琼指数在上周的狂跌之后暴涨1,200多点，而美10年期国债的回报率则继续下跌至1.08%的史低点。房贷利率市场的行情，在今天上午开盘时，房贷利率因为国债回报率继续下降而略有变好，造成大量的重贷申请的涌入；下午各大lender纷纷提高利率，以变相阻止接受更多的贷款申请。

一天的尘埃落定后，目前重新贷款50万的利率，30年仍保持在近8年的最低点3.25%，15年仍保持在2.875%；购房贷款50万左右，30年固定的利率为3.125%，15年仍为2.75%。

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
3.250 2.875 3.250 2.750 2.750 2.875
>$484K 3.375 2.875 ------ ------ 3.125 ------
Jumbo 3.750 3.625 ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 2.875 3.250 2.875 3.000 3.125
>$484K 3.625 3.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.125 2.750 2.750 2.875
APR 3.263 2.866 3.151 2.747 2.749 2.874
 
>$484K 3.250 2.875 ------ ------ 3.125 ------
APR 3.282 2.997 ------ ------ 3.222 ------
 
Jumbo 3.875 3.625 ------ ------ 3.875 3.875
APR 3.996 3.730 ------ ------ 3.987 3.992
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.500 3.125 ------ ------
APR 3.649 3.277 3.641 3.275 ------ ------
 
******************************* 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
3.250 2.875 3.250 2.875 3.000 3.125
>$484K 3.375 3.500 ------ ------ 3.500 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 3.000 3.250 2.875 3.000 3.125
>$484K 3.500 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.125 2.750 2.750 2.875
APR 3.147 2.789 3.194 2.878 2.923 2.948
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.795 3.692 ------ ------ 3.866 3.970
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.500 3.125 ------ ------
APR 3.623 3.229 3.603 3.205 ------ ------
 
******************************* 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
3.250 2.875 3.250 2.875 3.000 3.125
>$484K 3.500 3.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 3.000 3.375 3.000 ------ ------
>$484K 3.875 3.875 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.125 2.750 2.750 2.875
APR 3.190 2.824 3.199 2.786 2.826 2.951
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.797 3.796 ------ ------ 3.868 3.893
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.500 3.125 ------ ------
APR 3.516 3.185 3.508 3.183 ------ ------
 
******************************* 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
3.375 2.875 3.250 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
3.625 3.500 3.625 3.750 ------ ------
>$484K 3.875 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.000 2.750 2.750 2.875
APR 3.180 2.841 3.096 2.780 2.795 2.980
 
>$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 3.125 3.375 3.000 ------ ------
APR 3.630 3.152 3.438 3.144 ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo 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
3.250 2.750 3.125 2.750 2.750 2.875
>$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 ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.250 2.875 3.125 2.875 2.750 2.875
APR 3.199 2.820 3.168 2.696 2.769 2.894
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.802 3.505 ------ ------ 3.857 3.878
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.250 3.500 3.250 ------ ------
APR 3.608 3.321 3.697 3.393 ------ ------
 
******************************* 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
3.375 3.125 3.375 3.000 ------ ------
>$484K 3.750 3.625 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.250 3.625 3.125 ------ ------
>$484K 4.000 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.125 2.750 2.750 2.875
APR 3.168 2.796 3.394 2.833 2.953 2.978
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.248 3.951 ------ ------ 3.993 4.363
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.125 3.375 3.125 ------ ------
APR 3.584 3.367 3.450 3.220 ------ ------
 
******************************* 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
3.375 3.125 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
3.500 3.125 3.500 3.125 ------ ------
>$484K 4.000 3.750 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.125 2.750 2.750 2.875
APR 3.182 2.791 3.183 2.789 2.697 2.922
 
>$484K 3.750 3.500 ------ ------ 3.875 3.875
APR 3.756 3.553 ------ ------ 3.878 3.982
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.375 3.125 ------ ------
APR 3.548 3.193 3.470 3.250 ------ ------
 
******************************* 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
3.250 2.875 3.250 2.875 2.750 2.875
>$484K 3.375 3.250 ------ ------ 3.625 ------
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
3.375 2.875 3.250 2.875 3.000 3.125
>$484K 4.750 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.125 2.750 3.125 2.750 2.750 2.875
APR 3.157 2.758 3.164 2.697 2.753 2.878
 
>$484K 3.750 3.500 ------ ------ 3.750 3.875
APR 3.714 3.591 ------ ------ 3.796 3.890
 
Jumbo 3.750 3.500 ------ ------ 3.750 3.875
APR 3.689 3.582 ------ ------ 3.860 3.895
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.125 3.500 3.125 ------ ------
APR 3.522 3.189 3.553 3.154 ------ ------

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 (Sorry, this is a requirement by the lender from which the above rates are based)

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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