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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 8月24日星期一
SUMMARY:今天(8月24日星期一)的房贷利率价格和上周五相比仍然基本持平。房贷利率过去一个星期以来都没有变化,是否意味着即将迎来暴涨或掉头回落?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目前为2.875%,15年固定的利率为2.5%;购房贷款50万左右,30年固定的利率仍勉强维持在2.625%,15年仍维持在2.375%。
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 $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 | 2.875 | 2.500 | 2.875 | 2.500 | ------ | ------ | >$484K | 3.375 | 2.750 | ------ | ------ | ------ | ------ | 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 | 3.125 | 2.750 | 3.000 | 2.625 | ------ | ------ | >$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 | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.672 | 2.408 | 2.665 | 2.398 | ------ | ------ | | >$484K | 3.000 | 2.625 | ------ | ------ | ------ | ------ | APR | 3.032 | 2.682 | ------ | ------ | ------ | ------ | | 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 | 3.750 | ------ | 3.500 | 3.375 | ------ | ------ | APR | 3.800 | ------ | 3.569 | 3.504 | ------ | ------ | | ******************************* MARYLAND ******************************* (Based on Conforming Loan $450K, 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 | 2.875 | 2.500 | 2.750 | 2.375 | ------ | ------ | >$484K | 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 | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ | >$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 | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.646 | 2.362 | 2.628 | 2.330 | ------ | ------ | | >$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 | 3.750 | ------ | 3.500 | 3.375 | ------ | ------ | APR | 3.773 | ------ | 3.532 | 3.434 | ------ | ------ | | ******************************* VIRGINIA ******************************* (Based on Conforming Loan $450K, 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 | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | >$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 | 3.250 | 2.875 | 3.125 | 2.750 | ------ | ------ | >$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.640 | 2.367 | 2.633 | 2.338 | ------ | ------ | | >$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 | 3.625 | ------ | 3.500 | 3.375 | ------ | ------ | APR | 3.651 | ------ | 3.536 | 3.442 | ------ | ------ | | ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, 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 | 3.000 | 2.750 | 3.000 | 2.625 | ------ | ------ | >$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 | 2.500 | 2.375 | 2.500 | 2.375 | ------ | ------ | APR | 2.552 | 2.383 | 2.561 | 2.362 | ------ | ------ | | >$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 | 3.375 | 3.250 | 3.375 | 3.125 | ------ | ------ | APR | 3.430 | 3.350 | 3.438 | 3.269 | ------ | ------ | | ******************************* ILLINOIS ******************************* (Based on Conforming Loan $450K, 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 | 2.750 | 2.375 | 2.750 | 2.375 | ------ | ------ | >$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 | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.632 | 2.353 | 2.622 | 2.317 | ------ | ------ | | >$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 | 3.625 | ------ | 3.500 | 3.375 | ------ | ------ | APR | 3.643 | ------ | 3.525 | 3.422 | ------ | ------ | | ******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, 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 | 3.375 | 3.250 | 3.375 | 3.125 | ------ | ------ | >$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 | 2.625 | 2.375 | 2.500 | 2.375 | ------ | ------ | APR | 2.657 | 2.399 | 2.573 | 2.384 | ------ | ------ | | >$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 | 3.500 | 3.375 | 3.375 | 3.250 | ------ | ------ | APR | 3.554 | 3.472 | 3.450 | 3.391 | ------ | ------ | | ******************************* GEORGIA ******************************* (Based on Conforming Loan $200K, 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 | 2.750 | ------ | ------ | >$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 | 3.625 | ------ | 3.500 | 3.375 | ------ | ------ | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 2.625 | 2.375 | 2.500 | 2.375 | ------ | ------ | APR | 2.671 | 2.423 | 2.592 | 2.420 | ------ | ------ | | >$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 | 3.500 | 3.375 | 3.375 | 3.250 | ------ | ------ | APR | 3.568 | 3.498 | 3.470 | 3.428 | ------ | ------ | | ******************************* WASHINGTON ******************************* (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 | 2.875 | 2.500 | 2.750 | 2.375 | ------ | ------ | >$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 | <=$484K | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ | >$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 | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.646 | 2.361 | 2.628 | 2.328 | ------ | ------ | | >$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 | 3.750 | ------ | 3.500 | 3.375 | ------ | ------ | APR | 3.772 | ------ | 3.531 | 3.433 | ------ | ------ | |
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, L2, 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 |