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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 10月12日星期一
SUMMARY:今天(10月12日星期一)的房贷利率价格和上周五相比基本持平。目前加州重新贷款51万的利率,30年固定的零费用重贷利率目前仍为2.75%,15年固定的利率仍为2.5%;购房贷款50万左右,30年固定的利率为2.75%,15年为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 $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 | $510K | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | $650K | 3.000 | 2.625 | ------ | ------ | ------ | ------ | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.500 | 2.875 | 2.500 | ------ | ------ | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.750 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.756 | 2.350 | 2.674 | 2.313 | ------ | ------ | | $650K | 2.875 | 2.500 | ------ | ------ | ------ | ------ | APR | 2.906 | 2.557 | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.625 | 3.250 | 3.375 | 3.125 | ------ | ------ | APR | 3.672 | 3.333 | 3.440 | 3.246 | ------ | ------ | | ******************************* MARYLAND ******************************* (Based on Conforming Loan $510K, 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 | $510K | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | $650K | 2.875 | 2.750 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.750 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.731 | 2.305 | 2.639 | 2.247 | ------ | ------ | | $650K | 4.500 | 4.000 | ------ | ------ | 4.250 | 4.500 | APR | 4.498 | 4.007 | ------ | ------ | 4.267 | 4.505 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.625 | 3.250 | 3.375 | 3.125 | ------ | ------ | APR | 3.645 | 3.286 | 3.403 | 3.178 | ------ | ------ | | ******************************* VIRGINIA ******************************* (Based on Conforming Loan $510K, 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 | $510K | 2.875 | 2.500 | 2.875 | 2.375 | ------ | ------ | $650K | 3.000 | 2.750 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.000 | 2.625 | 3.000 | 2.625 | ------ | ------ | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.647 | 2.310 | 2.643 | 2.254 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.500 | 3.250 | 3.375 | 3.125 | ------ | ------ | APR | 3.523 | 3.292 | 3.407 | 3.185 | ------ | ------ | | ******************************* TEXAS ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 | $300K | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | $600K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | Inquire | Inquire | Inquire | Inquire | ------ | ------ | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 2.625 | 2.375 | 2.500 | 2.375 | ------ | ------ | APR | 2.641 | 2.299 | 2.550 | 2.237 | ------ | ------ | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 3.250 | 3.000 | 3.125 | 2.875 | ------ | ------ | APR | 3.286 | 3.066 | 3.176 | 2.971 | ------ | ------ | | ******************************* ILLINOIS ******************************* (Based on Conforming Loan $510K, Jumbo Loan $900K. 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 | $510K | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.500 | 2.875 | 2.375 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.739 | 2.394 | 2.631 | 2.331 | ------ | ------ | | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.500 | 3.250 | 3.375 | 3.125 | ------ | ------ | APR | 3.514 | 3.276 | 3.395 | 3.162 | ------ | ------ | | ******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K 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 | $300K | 3.000 | 2.750 | 3.000 | 2.625 | ------ | ------ | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 3.625 | 3.375 | 3.500 | 3.250 | ------ | ------ | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.650 | 2.314 | 2.646 | 2.261 | ------ | ------ | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 3.375 | 3.125 | 3.250 | 3.000 | ------ | ------ | APR | 3.411 | 3.189 | 3.300 | 3.093 | ------ | ------ | | ******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 | $300K | 2.875 | 2.625 | 2.875 | 2.500 | ------ | ------ | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 3.125 | 2.875 | 3.000 | 2.750 | ------ | ------ | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 2.625 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.659 | 2.331 | 2.659 | 2.285 | ------ | ------ | | $600K | Inquire | Inquire | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 3.375 | 3.125 | 3.250 | 3.000 | ------ | ------ | APR | 3.420 | 3.206 | 3.313 | 3.118 | ------ | ------ | | ******************************* WASHINGTON ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 | $510K | 2.750 | 2.500 | 2.750 | 2.375 | ------ | ------ | $650K | 2.875 | 2.750 | ------ | ------ | ------ | ------ | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.000 | 2.625 | 2.875 | 2.500 | ------ | ------ | $650K | Inquire | Inquire | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.750 | 2.375 | 2.625 | 2.375 | ------ | ------ | APR | 2.781 | 2.394 | 2.638 | 2.246 | ------ | ------ | | $650K | 2.875 | 2.625 | ------ | ------ | ------ | ------ | APR | 2.928 | 2.726 | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.125 | 3.000 | 3.125 | 3.000 | ------ | ------ | APR | 3.245 | 3.186 | 3.103 | 3.077 | ------ | ------ | |
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 |