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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 4月22日星期三
SUMMARY:今天(4月22日星期三)的房贷利率和昨天相比基本持平。目前重新贷款50万的利率,30年固定的零费用重贷利率仍为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%。
今天房利美和房地美(俗称“两房”)的政府监管机构联邦住房金融管理局(FHFA)宣布,将允许两房购买那些借款人已经申请迟付房贷的贷款。这将促进房贷市场的进一步的稳定。希望在未来的几周内,房贷打包债券(MBS)的价格将会逐步上升,相应的回报率也就是房贷利率将逐步下降。
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 $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 |
2.750 |
3.125 |
2.750 |
------ |
------ |
>$484K |
3.500 |
3.375 |
------ |
------ |
------ |
------ |
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 |
| 3.500 |
3.375 |
3.500 |
3.250 |
------ |
------ |
>$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 |
| 3.125 |
2.750 |
3.000 |
2.750 |
------ |
------ |
APR |
3.169 |
2.845 |
3.148 |
2.798 |
------ |
------ |
|
>$484K |
3.375 |
3.250 |
------ |
------ |
------ |
------ |
APR |
3.417 |
3.290 |
------ |
------ |
------ |
------ |
|
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 |
| 4.125 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.176 |
------ |
3.945 |
------ |
------ |
------ |
|
******************************* 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 |
3.125 |
2.750 |
------ |
------ |
>$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 |
| 3.500 |
3.250 |
3.375 |
3.250 |
------ |
------ |
>$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 |
------ |
------ |
APR |
3.242 |
2.897 |
3.212 |
2.808 |
------ |
------ |
|
>$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 |
| 4.125 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.148 |
------ |
3.907 |
------ |
------ |
------ |
|
******************************* 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 |
| 3.375 |
3.000 |
3.125 |
3.000 |
------ |
------ |
>$484K |
4.625 |
4.125 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.625 |
3.500 |
3.500 |
------ |
------ |
>$484K |
4.875 |
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 |
------ |
------ |
APR |
3.236 |
2.903 |
3.216 |
2.817 |
------ |
------ |
|
>$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 |
| 4.000 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.026 |
------ |
3.912 |
------ |
------ |
------ |
|
******************************* 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 |
4.875 |
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 |
3.125 |
2.750 |
------ |
------ |
APR |
3.245 |
2.830 |
3.202 |
2.841 |
------ |
------ |
|
>$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 |
| 3.875 |
4.000 |
3.750 |
3.875 |
------ |
------ |
APR |
3.921 |
4.102 |
3.828 |
4.021 |
------ |
------ |
|
******************************* 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 |
3.125 |
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 |
------ |
------ |
------ |
------ |
------ |
------ |
|
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 |
------ |
------ |
APR |
3.228 |
2.889 |
3.205 |
2.796 |
------ |
------ |
|
>$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 |
| 4.000 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.018 |
------ |
3.900 |
------ |
------ |
------ |
|
******************************* 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 |
| 3.875 |
4.000 |
3.750 |
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 |
| 4.375 |
------ |
4.250 |
------ |
------ |
------ |
>$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 |
------ |
------ |
APR |
3.253 |
2.846 |
3.241 |
2.863 |
------ |
------ |
|
>$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 |
| 3.875 |
------ |
3.875 |
4.000 |
------ |
------ |
APR |
3.930 |
------ |
3.937 |
4.143 |
------ |
------ |
|
******************************* 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 |
| 3.500 |
3.000 |
3.125 |
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 |
| 4.000 |
------ |
3.875 |
------ |
------ |
------ |
>$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 |
------ |
------ |
APR |
3.267 |
2.871 |
3.260 |
2.900 |
------ |
------ |
|
>$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 |
| 3.875 |
------ |
3.875 |
4.000 |
------ |
------ |
APR |
3.945 |
------ |
3.958 |
4.181 |
------ |
------ |
|
****************************** 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 |
2.750 |
3.125 |
2.750 |
------ |
------ |
>$484K |
4.375 |
3.875 |
------ |
------ |
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 |
| 3.500 |
3.250 |
3.375 |
3.250 |
------ |
------ |
>$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 |
------ |
------ |
APR |
3.242 |
2.896 |
3.211 |
2.807 |
------ |
------ |
|
>$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 |
| 4.125 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.148 |
------ |
3.906 |
------ |
------ |
------ |
|
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 |