SUMMARY：今天（4月13日星期一）的房贷利率稍微变差。目前重新贷款50万的利率，30年固定的零费用重贷利率仍维持在3.25%，15年固定为2.75%；购房贷款50万左右，30年固定的利率可以做到3.125%，15年可以做到2.625%。
由于美国失业情况继续恶化，许多借款银行最近纷纷收紧贷款审核条件，如提高可贷款的最低信用分数，把Debt-To-Income ratio的要求从50%降至45%等等。这意味着在失业状况得到控制之前，房贷市场仍将面临巨大的挑战，房贷利率不会有大幅度的降低。
美联储出重手救市，房贷利率重探新低指日可待！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：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：949-829-3863或888-800-4151。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 | 3.250 | 2.750 | 3.375 | 3.250 | ------ | ------ |
| >$484K | 3.500 | 3.625 | ------ | ------ | ------ | ------ |
| Jumbo | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.625 | 3.625 | 3.500 | 3.625 | ------ | ------ |
| >$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 | 3.125 | 2.625 | 3.000 | 2.625 | ------ | ------ |
| APR | 3.189 | 2.663 | 3.176 | 2.637 | ------ | ------ |
| >$484K | 3.500 | 3.375 | ------ | ------ | ------ | ------ |
| APR | 3.532 | 3.452 | ------ | ------ | ------ | ------ |
| Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
| APR | 4.037 | 3.789 | ------ | ------ | 3.887 | 4.156 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.375 | ------ | 4.125 | ------ | ------ | ------ |
| APR | 4.427 | ------ | 4.196 | ------ | ------ | ------ |
| ******************************* 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 | 3.250 | 2.750 | 3.375 | 3.125 | ------ | ------ |
| >$484K | 3.500 | 3.000 | ------ | ------ | 4.000 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.625 | 3.625 | 3.500 | 3.500 | ------ | ------ |
| >$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 | 2.875 | 3.250 | 2.875 | ------ | ------ |
| APR | 3.262 | 2.915 | 3.239 | 2.907 | ------ | ------ |
| >$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
| APR | 4.016 | 3.752 | ------ | ------ | 3.866 | 4.135 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.375 | ------ | 4.125 | ------ | ------ | ------ |
| APR | 4.399 | ------ | 4.157 | ------ | ------ | ------ |
| ******************************* 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 | 2.875 | 3.2505 | 2.875 | ------ | ------ |
| >$484K | 3.625 | 3.125 | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.750 | 3.875 | 3.625 | 3.750 | ------ | ------ |
| >$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 | 2.875 | 3.250 | 2.875 | ------ | ------ |
| APR | 3.255 | 2.921 | 3.244 | 2.916 | ------ | ------ |
| >$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
| APR | 4.018 | 3.756 | ------ | ------ | 3.868 | 4.137 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.250 | ------ | 4.125 | ------ | ------ | ------ |
| APR | 4.277 | ------ | 4.162 | ------ | ------ | ------ |
| ******************************* 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 | 3.500 | 3.000 | 3.125 | 2.875 | ------ | ------ |
| >$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 | 2.875 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.265 | 2.937 | 3.257 | 2.893 | ------ | ------ |
| >$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 | 4.000 | ------ | 3.875 | ------ | ------ | ------ |
| APR | 4.057 | ------ | 3.954 | ------ | ------ | ------ |
| ******************************* 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 | 3.250 | 2.750 | 3.125 | 2.750 | ------ | ------ |
| >$484K | 4.625 | 4.125 | ------ | ------ | 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 | 3.125 | 2.750 | 3.000 | 2.750 | ------ | ------ |
| APR | 3.148 | 2.807 | 3.133 | 2.795 | ------ | ------ |
| >$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
| APR | 4.370 | 3.871 | ------ | ------ | 3.999 | 4.377 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.250 | ------ | 4.125 | ------ | ------ | ------ |
| APR | 4.269 | ------ | 4.151 | ------ | ------ | ------ |
| ******************************* 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 | 4.000 | ------ | 3.875 | ------ | ------ | ------ |
| >$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 | ------ | ------ | 4.500 | ------ | ------ | ------ |
| >$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
| 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 | ------ | ------ |
| APR | 3.273 | 2.953 | 3.269 | 2.962 | ------ | ------ |
| >$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 | 4.125 | ------ | 4.000 | ------ | ------ | ------ |
| APR | 4.181 | ------ | 4.077 | ------ | ------ | ------ |
| ******************************* 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 | 3.500 | 3.125 | 3.250 | 3.000 | ------ | ------ |
| >$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 | 4.250 | ------ | 4.125 | ------ | ------ | ------ |
| >$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 | ------ | ------ |
| APR | 3.287 | 2.978 | 3.288 | 2.999 | ------ | ------ |
| >$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
| APR | 4.153 | 3.861 | ------ | ------ | 3.899 | 4.269 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.125 | ------ | 4.000 | ------ | ------ | ------ |
| APR | 4.196 | ------ | 4.097 | ------ | ------ | ------ |
| ******************************* 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 | 3.250 | 2.750 | 3.125 | 2.750 | ------ | ------ |
| >$484K | 3.500 | 3.250 | ------ | ------ | 4.000 | 4.375 |
| Jumbo | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 3.625 | 3.625 | 3.500 | 3.500 | ------ | ------ |
| >$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 | 2.875 | 3.250 | 2.875 | ------ | ------ |
| APR | 3.262 | 2.914 | 3.239 | 2.906 | ------ | ------ |
| >$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
| APR | 4.016 | 3.751 | ------ | ------ | 3.866 | 4.135 |
| Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
| APR | 4.010 | 3.741 | ------ | ------ | 3.860 | 4.129 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$484K | 4.375 | ------ | 4.125 | ------ | ------ | ------ |
| APR | 4.398 | ------ | 4.157 | ------ | ------ | ------ |
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
