【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月23日星期一

奇虎贷款

奇虎贷款
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SUMMARY：今天（3月23日星期一），QE Unlimited! WOW!!! 为了应对因新冠疫情而遭受重创的美国经济，美联储今天在华尔街开盘前放出胜负手，将无限制地视情况购买美国债和房贷打包债券(MBS)。这意味着美联储将动用一切手段，为房贷二级市场提供流动性和稳定性，压低贷款成本。这对有房贷一族而言，可是好消息。这也意味着，如果不出意外，房贷利率在未来一年里将持续走低或维持在低位。前段时间错过的网友们，这次可要提前准备好了哟。

目前重新贷款50万的利率，30年固定的零费用重贷利率降至3.500%，15年固定微升至3.375%；购房贷款50万左右，30年固定的利率继续下跌至3.25%，15年仍为3.125%。

在这样的一个利率上下剧烈震荡的大环境下，如果你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，然后就耐心等待，等到利率满意的时候再下手锁定利率。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。

注：上周公司原来用了多年的电话号码在相关的应用升级时突然出了状况，暂时无法使用。各位请拨打949-829-3863或949-398-0396，查询当前利率。

奇虎贷款利率查询电话：888-800-4151 或 949-829-3863。电邮：apply@tigerloans.com。官网网址：www.tigerloans.com

******************************* CALIFORNIA *******************************
(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 3.500 3.375 3.375 3.250 ------ ------
>$484K 3.750 4.000 ------ ------ ------ ------
Jumbo ------ 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 4.000 3.625 3.875 ------ ------
>$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
<=$484K 3.250 3.125 3.250 3.125 ------ ------
APR 3.299 3.177 3.290 3.175 ------ ------
 
>$484K 3.500 3.625 ------ ------ ------ ------
APR 3.543 3.702 ------ ------ ------ ------
 
Jumbo ------ 4.000 ------ ------ 4.375 ------
APR ------ 4.030 ------ ------ 4.414 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K ------ ------ 4.375 ------ ------ ------
APR ------ ------ 4.447 ------ ------ ------
 
******************************* 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 3.250 3.375 3.125 ------ ------
>$484K ------ 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.750 3.500 3.625 ------ ------
>$484K 4.750 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 3.125 3.250 3.125 ------ ------
APR 3.262 3.111 3.239 3.079 ------ ------
 
>$484K ------ 4.000 ------ ------ 4.375 ------
APR ------ 3.992 ------ ------ 4.391 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 ------ 4.250 ------ ------ ------
APR 4.524 ------ 4.283 ------ ------ ------
 
******************************* 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 3.500 3.500 3.375 3.375 ------ ------
>$484K 4.625 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.750 ------ 3.625 4.000 ------ ------
>$484K 4.875 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 3.125 3.250 3.125 ------ ------
APR 3.255 3.117 3.244 3.087 ------ ------
 
>$484K ------ 4.000 ------ ------ 4.375 ------
APR ------ 3.996 ------ ------ 4.394 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 ------ 4.250 ------ ------ ------
APR 4.402 ------ 4.287 ------ ------ ------
 
******************************* 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
<=$484K 3.750 3.875 3.500 3.750 ------ ------
>$484K 4.875 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 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
<=$484K 3.250 3.000 3.250 3.000 ------ ------
APR 3.265 3.099 3.257 3.118 ------ ------
 
>$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 4.250 ------ 4.000 ------ ------ ------
APR 4.282 ------ 4.079 ------ ------ ------
 
******************************* 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 3.375 3.125 3.250 3.125 ------ ------
>$484K ------ 4.250 ------ ------ ------ ------
 
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 3.125 3.250 3.125 ------ ------
APR 3.248 3.103 3.233 3.067 ------ ------
 
>$484K ------ 4.000 ------ ------ ------ ------
APR ------ 4.005 ------ ------ ------ ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 ------ 4.250 ------ ------ ------
APR 4.394 ------ 4.276 ------ ------ ------
 
******************************* 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
<=$484K 4.125 ------ 4.000 ------ ------ ------
>$484K 5.125 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 5.000 4.125 4.500 4.125 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 3.125 3.250 3.000 ------ ------
APR 3.273 3.149 3.269 3.140 ------ ------
 
>$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 4.250 ------ 4.125 ------ ------ ------
APR 4.306 ------ 4.202 ------ ------ ------
 
******************************* 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
<=$484K 3.750 ------ 3.625 4.000 ------ ------
>$484K 4.875 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.375 ------ 4.250 ------ ------ ------
>$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 3.125 3.250 3.000 ------ ------
APR 3.287 3.174 3.288 3.177 ------ ------
 
>$484K ------ 4.000 ------ ------ 4.375 ------
APR ------ 4.013 ------ ------ 4.404 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.250 ------ 4.125 ------ ------ ------
APR 4.321 ------ 4.223 ------ ------ ------
 
******************************* 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 3.375 3.250 3.375 3.125 ------ ------
>$484K ------ 4.375 ------ ------ ------ ------
Jumbo ------ 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.625 3.750 3.500 3.625 ------ ------
>$484K 4.750 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 3.250 3.125 3.250 3.125 ------ ------
APR 3.262 3.111 3.239 3.078 ------ ------
 
>$484K ------ 4.000 ------ ------ 4.375 ------
APR ------ 3.991 ------ ------ 4.391 ------
 
Jumbo ------ 4.000 ------ ------ 4.375 ------
APR ------ 3.981 ------ ------ 4.385 ------
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$484K 4.500 ------ 4.250 ------ ------ ------
APR 4.523 ------ 4.282 ------ ------ ------
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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