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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 6月16日星期二
SUMMARY:今天(6月16日星期二)的房贷利率价格和昨天相比基本持平。目前加州重新贷款50万的利率,30年固定的零费用重贷利率仍维持在3.000%的低点,15年固定仍维持在2.625%;购房贷款50万左右,30年固定的利率仍为2.875%,15年可以做到2.500%。
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。
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 | <=$484K | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ | >$484K | 3.375 | 3.000 | ------ | ------ | ------ | ------ | Jumbo | ------ | 3.875 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.375 | 3.000 | 3.125 | 3.000 | ------ | ------ | >$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 | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ | APR | 2.982 | 2.585 | 2.788 | 2.538 | ------ | ------ | | >$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 | <=$484K | 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 | <=$484K | 3.000 | 2.625 | 2.875 | 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 | <=$484K | 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 | <=$484K | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ | APR | 2.952 | 2.597 | 2.794 | 2.578 | ------ | ------ | | >$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 | 4.125 | ------ | 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 | <=$484K | 3.125 | 2.750 | 3.000 | 2.750 | ------ | ------ | >$484K | 3.750 | 4.125 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.500 | 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 | <=$484K | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ | APR | 2.916 | 2.553 | 2.801 | 2.517 | ------ | ------ | | >$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 | 4.000 | ------ | 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 | <=$484K | 3.250 | 2.875 | 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 | 3.875 | 3.500 | 3.750 | 3.500 | ------ | ------ | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.125 | 2.750 | 3.125 | 2.750 | ------ | ------ | APR | 3.145 | 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 | <=$484K | 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 | <=$484K | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ | >$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 | 2.875 | 2.625 | 2.750 | 2.625 | ------ | ------ | APR | 2.928 | 2.689 | 2.783 | 2.656 | ------ | ------ | | >$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 | 4.000 | ------ | 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 | <=$484K | 3.500 | 3.250 | 3.375 | 3.250 | ------ | ------ | >$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 | 4.375 | ------ | 4.250 | ------ | ------ | ------ | >$484K | 5.250 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.000 | 2.500 | 2.875 | 2.500 | ------ | ------ | APR | 3.053 | 2.546 | 2.902 | 2.523 | ------ | ------ | | >$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 | 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 | <=$484K | 3.500 | 3.250 | 3.375 | 3.250 | ------ | ------ | >$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 | 4.000 | ------ | 3.875 | ------ | ------ | ------ | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.000 | 2.500 | 2.875 | 2.500 | ------ | ------ | APR | 3.067 | 2.571 | 2.900 | 2.533 | ------ | ------ | | >$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 | 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 | <=$484K | 3.000 | 2.625 | 32.875 | 2.625 | ------ | ------ | >$484K | 3.375 | 3.875 | ------ | ------ | 4.000 | 4.375 | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.500 | 3.000 | 3.125 | 3.000 | ------ | ------ | >$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 | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ | APR | 2.902 | 2.526 | 2.787 | 2.517 | ------ | ------ | | >$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 | 4.125 | ------ | 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): - <=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 |