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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月6日星期五
SUMMARY: 尽管今天（3月6日星期五）美劳工部发布的就业报告显示，2月份美国新增就业275,000人，失业率从3.6%降至3.5%，但金融市场仍不买账，道琼指数继续大跌超过400点，热钱继续涌入美国债市场避险，美10年期国债的回报率今天跌至史无前例的0.74%！真可谓没有最低，只有更低！低利率在向你招手，省钱的曙光在前头！
华尔街之所以忽视2月份靓丽的就业报告，主要还是因为smart money的眼光早已超越了当前的经济状况，已经察觉到，新冠病毒在中国的爆发，已经并将会更严重地影响各级生产的供应链条，将对世界经济带来重创，所以会继续抛售风险资产如股票，而买进安全资产如美国债避险，导致美国债回报率跌跌不休。
但大家不要高兴得太早，虽然美国债的回报率跌成狗，但房贷利率只有小幅波动。其主要原因是房贷行业的处理能力已经超饱和，已无力快速处理日益增多的重贷申请。用原油市场来做类比，现在的情况就好比原油价格大跌，但各大炼油厂已经满负荷运转，无法再提炼更多的原油，而且因为购买汽油的人剧增，最终有可能导致加油站的汽油价格反而上涨的现象。
目前重新贷款50万的利率，30年固定的零费用重贷利率降回3.125%，15年仍为2.75%；购房贷款50万左右，30年固定的利率降为3.000%，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 |
|
| 3.125 |
2.750 |
3.125 |
2.750 |
2.625 |
2.750 |
| >$484K |
3.375 |
2.875 |
------ |
------ |
3.000 |
------ |
| Jumbo |
3.750 |
3.625 |
------ |
------ |
3.750 |
------ |
| |
| 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 |
2.875 |
3.125 |
| >$484K |
3.875 |
3.250 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
3.028 |
2.695 |
3.012 |
2.643 |
2.412 |
2.421 |
| |
| >$484K |
3.250 |
2.750 |
------ |
------ |
2.750 |
------ |
| APR |
3.282 |
2.808 |
------ |
------ |
2.791 |
------ |
| |
| Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.787 |
3.530 |
------ |
------ |
3.892 |
3.912 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.649 |
3.177 |
3.541 |
3.175 |
------ |
------ |
| |
******************************* 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 |
2.750 |
3.000 |
2.750 |
2.625 |
2.625 |
| >$484K |
3.375 |
3.000 |
------ |
------ |
------ |
------ |
| |
| 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 |
2.750 |
2.875 |
3.125 |
| >$484K |
3.750 |
3.250 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
3.002 |
2.648 |
2.976 |
2.575 |
2.387 |
2.396 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.766 |
3.492 |
------ |
------ |
3.870 |
3.891 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.250 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.623 |
3.279 |
3.503 |
3.105 |
------ |
------ |
| |
******************************* 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 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
| >$484K |
3.500 |
3.250 |
------ |
------ |
------ |
------ |
| |
| 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 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
2.996 |
2.653 |
2.980 |
2.583 |
2.390 |
2.399 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.768 |
3.496 |
------ |
------ |
3.873 |
3.893 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.676 |
3.135 |
3.508 |
3.113 |
------ |
------ |
| |
******************************* 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 |
|
| 3.375 |
2.875 |
3.250 |
2.875 |
------ |
------ |
| >$484K |
3.875 |
3.375 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.500 |
4.125 |
3.750 |
------ |
------ |
| >$484K |
4.000 |
3.875 |
------ |
------ |
------ |
------ |
| |
| 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 |
2.375 |
2.375 |
| APR |
3.005 |
2.670 |
2.993 |
2.607 |
2.417 |
2.427 |
| |
| >$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 |
3.620 |
3.199 |
3.438 |
3.118 |
------ |
------ |
| |
******************************* 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 |
|
| 3.250 |
2.750 |
3.000 |
2.750 |
2.500 |
2.625 |
| >$484K |
3.500 |
3.625 |
------ |
------ |
3.750 |
3.750 |
| |
| 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 |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
2.988 |
2.640 |
2.969 |
2.563 |
2.382 |
2.392 |
| |
| >$484K |
3.875 |
3.500 |
------ |
------ |
3.875 |
4.000 |
| APR |
3.888 |
3.505 |
------ |
------ |
3.878 |
3.992 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.638 |
3.121 |
3.497 |
3.093 |
------ |
------ |
| |
******************************* 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 |
|
| 3.375 |
3.000 |
3.375 |
3.000 |
------ |
------ |
| >$484K |
4.000 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.750 |
3.250 |
3.625 |
3.125 |
------ |
------ |
| >$484K |
4.250 |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
3.013 |
2.685 |
3.005 |
2.629 |
2.416 |
2.426 |
| |
| >$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 |
|
| 3.625 |
3.125 |
3.375 |
3.000 |
------ |
------ |
| APR |
3.634 |
3.167 |
3.450 |
3.140 |
------ |
------ |
| |
******************************* 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 |
|
| 3.375 |
3.000 |
3.375 |
3.000 |
------ |
------ |
| >$484K |
3.750 |
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 |
3.500 |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
3.027 |
2.710 |
3.024 |
2.665 |
2.429 |
2.439 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.778 |
3.513 |
------ |
------ |
3.882 |
3.903 |
| |
| 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 |
3.648 |
3.193 |
3.470 |
3.177 |
------ |
------ |
| |
******************************* 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 |
|
| 3.125 |
2.750 |
3.000 |
2.750 |
2.625 |
2.625 |
| >$484K |
3.500 |
3.000 |
------ |
------ |
3.625 |
------ |
| Jumbo |
3.750 |
3.625 |
------ |
------ |
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 |
2.750 |
2.875 |
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 |
|
| 3.000 |
2.750 |
3.000 |
2.750 |
2.375 |
2.375 |
| APR |
3.002 |
2.647 |
2.975 |
2.574 |
2.386 |
2.396 |
| |
| >$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.766 |
3.491 |
------ |
------ |
3.870 |
3.891 |
| |
| Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
| APR |
3.760 |
3.482 |
------ |
------ |
3.865 |
3.885 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
|
| 3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
| APR |
3.622 |
3.129 |
3.503 |
3.104 |
------ |
------ |
|
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 |
