SUMMARY：今天（2月22日星期一）的利率价格和上周五相比暂时持平。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为3.000%，15年固定为2.375%；购房贷款50万左右，30年固定的利率为2.75%，15年为2.25% with 0 point, plus closing cost。
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 | 3.000 | 2.375 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | 2.500 | ------ | ------ | ------ | ------ |
| Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.500 | 2.375 | 3.250 | 2.375 | ------ | ------ |
| $650K | ----- | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.794 | 2.235 | 2.786 | 2.166 | ------ | ------ |
| $650K | 3.000 | 2.375 | ------ | ------ | ------ | ------ |
| APR | 3.056 | 2.397 | ------ | ------ | ------ | ------ |
| Jumbo | 3.500 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.537 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.331 | 2.853 | 3.312 | 2.808 | ------ | ------ |
| ******************************* 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 | 3.000 | 2.375 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.500 | 2.500 | 3.250 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.769 | 2.246 | 2.753 | 2.130 | ------ | ------ |
| $650K | 3.500 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.516 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.337 | 2.878 | 3.322 | 2.823 | ------ | ------ |
| ******************************* 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 | 3.250 | 2.375 | 3.125 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | ------ | 2.500 | 3.625 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.763 | 2.258 | 2.754 | 2.132 | ------ | ------ |
| $650K | 3.500 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.518 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.337 | 2.878 | 3.221 | 2.835 | ------ | ------ |
| ******************************* 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 | 3.250 | 2.375 | 3.125 | 2.250 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | ------ | ------ | ------ | ------ | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 2.750 | 2.250 | 2.750 | 2.000 | ------ | ------ |
| APR | 2.756 | 2.261 | 2.745 | 2.094 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.250 | 2.875 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.351 | 2.952 | 3.310 | 2.845 | ------ | ------ |
| ******************************* 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 | 2.875 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.500 | 3.250 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.754 | 2.253 | 2.742 | 2.086 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.333 | 2.882 | 3.306 | 2.833 | ------ | ------ |
| ******************************* 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 | ------ | 2.625 | ------ | 2.500 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | ------ | ------ | ------ | ------ | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.765 | 2.267 | 2.758 | 2.116 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.347 | 2.931 | 3.313 | 2.821 | ------ | ------ |
| ******************************* 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 | 3.375 | 2.500 | 3.250 | 2.375 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | ------ | 2.750 | ------ | 2.625 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.774 | 2.261 | 2.771 | 2.140 | ------ | ------ |
| $600K | 3.500 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.521 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.348 | 2.932 | 3.315 | 2.823 | ------ | ------ |
| ******************************* 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 | 3.000 | 2.375 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | 2.500 | ------ | ------ | ------ | ------ |
| Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.500 | 2.500 | 3.250 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.769 | 2.258 | 2.752 | 2.123 | ------ | ------ |
| $650K | 3.500 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.515 | ------ | ------ | ------ | ------ | ------ |
| Jumbo | 3.500 | |||||
| 3.510 | ------ | ------ | ------ | ------ | ------ | |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
| APR | 3.330 | 2.833 | 3.310 | 2.805 | ------ | ------ |
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
