SUMMARY：今天（6月4日星期五）美联邦劳工部发布的5月就业报告低于预期，导致美10年期国债收益率大幅回落6bps至1.56%。但房贷利率价格和昨天相比只是稍微变好，幅度远没有10年期国债收益率回落得那么大。这主要是因为房贷二级市场的保障基础是借款人的还贷能力，而10年期国债所依仗的是美国政府的还债能力，两者在正常的经济情况下呈现正相关的关联，但在当前新冠疫情下，这两种金融产品的市场风险差距会被扭曲，造成房贷利率的变动幅度与10年期国债的收益率变动幅度不同步。目前30年固定的零费用重贷利率仍维持在近期低点2.875%，15年固定为2.25%；购房贷款50万左右，30年固定的利率为2.75%，15年固定为2.125% with 0 point, plus closing cost。
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。
注：除非特别说明，以下列出的利率都是基于本帖底部的贷款参数，并且是带impound account的利率。
| ******************************* 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 | 2.875 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| $650K | 3.000 | 2.375 | ------ | ------ | ------ | ------ |
| Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.500 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.125 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.785 | 2.171 | 2.772 | 2.166 | ------ | ------ |
| $650K | 3.000 | 2.250 | ------ | ------ | ------ | ------ |
| APR | 3.002 | 2.325 | ------ | ------ | ------ | ------ |
| Jumbo | 3.000 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.026 | ------ | ------ | ------ | ------ | ------ |
| 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 | 2.875 | 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 | 3.000 | 2.500 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.125 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.760 | 2.125 | 2.737 | 2.100 | ------ | ------ |
| $650K | 3.000 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.005 | ------ | ------ | ------ | ------ | ------ |
| 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 | 2.875 | 2.250 | 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 | 3.000 | 2.375 | 3.000 | 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 | 2.753 | 2.263 | 2.740 | 2.107 | ------ | ------ |
| $650K | 3.000 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.007 | ------ | ------ | ------ | ------ | ------ |
| 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 | 2.875 | 2.375 | 2.875 | 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 | 2.125 | 2.750 | 2.000 | ------ | ------ |
| APR | 2.747 | 2.119 | 2.732 | 2.094 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.250 | 2.625 | 3.125 | 2.625 | ------ | ------ |
| APR | 3.261 | 2.690 | 3.176 | 2.694 | ------ | ------ |
| ******************************* 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 | 2.125 | 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 | 2.875 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.125 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.744 | 2.115 | 2.728 | 2.084 | ------ | ------ |
| $650K | 3.000 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.011 | ------ | ------ | ------ | ------ | ------ |
| 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 | 3.000 | 2.500 | 3.000 | 2.375 | ------ | ------ |
| $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 | 2.125 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.755 | 2.135 | 2.744 | 2.114 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.375 | 2.875 | ------ | 2.625 | ------ | ------ |
| APR | 3.385 | 2.914 | ------ | 2.718 | ------ | ------ |
| ******************************* 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 | 3.000 | 2.500 | 2.875 | 2.250 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.125 | 2.625 | 3.000 | 2.500 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 2.750 | 2.125 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.764 | 2.151 | 2.757 | 2.138 | ------ | ------ |
| $600K | ------ | ------ | ------ | ------ | ------ | ------ |
| APR | ------ | ------ | ------ | ------ | ------ | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $300K | 3.375 | 2.750 | ------ | 2.625 | ------ | ------ |
| APR | 3.395 | 2.830 | ------ | 2.742 | ------ | ------ |
| ******************************* 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 | 2.875 | 2.250 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 3.000 | 2.500 | 2.875 | 2.250 | ------ | ------ |
| $650K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| $510K | 2.750 | 2.125 | 2.750 | 2.125 | ------ | ------ |
| APR | 2.759 | 2.125 | 2.736 | 2.099 | ------ | ------ |
| $650K | 3.000 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.005 | ------ | ------ | ------ | ------ | ------ |
| Jumbo | 3.000 | ------ | ------ | ------ | ------ | ------ |
| APR | 3.000 | ------ | ------ | ------ | ------ | ------ |
| 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
