SUMMARY：今天（4月30日星期五）房贷利率的价格和昨天相比基本持平。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仍为3.125%，15年固定仍为2.5%；购房贷款50万左右，30年固定的利率仍为3.000%，15年仍为2.25% with 0 point, plus closing cost。
房利美即将大幅度提高对投资房贷款的限制，投资房的贷款利率已经开始出现重大变动。目前已经陆续有lender发布新的大幅提高的投资房利率价格的扣点。由于投资房利率价格的不确定性，未来的投资房买房利率暂停发布。
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/apply-now
| ******************************* 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 | 3.125 | 2.500 | 3.000 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.625 | 3.125 | 2.500 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 3.016 | 2.296 | 2.939 | 2.291 | ------ | ------ |
| $650K | 3.375 | 2.500 | ------ | ------ | ------ | ------ |
| APR | 3.397 | 2.575 | ------ | ------ | ------ | ------ |
| Jumbo | 3.250 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.286 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 3.125 | 2.500 | 3.000 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.625 | 3.125 | 2.500 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 2.990 | 2.250 | 2.903 | 2.225 | ------ | ------ |
| $650K | 3.250 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.265 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 2.625 | 3.125 | 2.500 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.375 | 3.000 | 3.250 | 2.875 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 2.983 | 2.255 | 2.907 | 2.232 | ------ | ------ |
| $650K | 3.250 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.268 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 2.625 | 3.125 | 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 | 2.875 | 2.250 | 2.875 | 2.125 | ------ | ------ |
| APR | 2.901 | 2.244 | 2.898 | 2.219 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 3.125 | 2.250 | 3.000 | 2.250 | ------ | ------ |
| $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 | 3.125 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 2.975 | 2.240 | 2.895 | 2.209 | ------ | ------ |
| $650K | 3.375 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.386 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 3.250 | 3.125 | 3.250 | 3.000 | ------ | ------ |
| $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 | 2.875 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 2.910 | 2.260 | 2.910 | 2.239 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 3.250 | 2.625 | 3.125 | 2.500 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.375 | ------ | 3.250 | 3.125 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 2.875 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 2.919 | 2.276 | 2.923 | 2.263 | ------ | ------ |
| $600K | 3.250 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.271 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| ******************************* 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 | 3.125 | 2.375 | 3.000 | 2.375 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.250 | 2.625 | 3.125 | 2.500 | ------ | ------ |
| $650K | ----- | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| APR | 3.010 | 2.263 | 2.902 | 2.224 | ------ | ------ |
| $650K | 3.250 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.265 | ------ | ------ | ------ | ------ | ------ |
| Jumbo | 3.250 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.260 | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
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
