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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2021年12月15日星期三
SUMMARY:今天(12月15日星期三)美房贷二级市场的利率价格和昨天相比稍微变差。目前加州30年固定的零费用重贷利率仍为3.0%,15年固定为2.25%;购房贷款50万左右,30年固定的利率为2.875% with 0 point, plus closing cost (APR 2.910%),15年固定为2.125% with 0 point, plus closing cost (APR 2.135%)。
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 | 3.000 | 2.250 | 2.875 | 2.125 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.125 | 2.500 | 3.000 | 2.250 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.125 | 2.750 | 2.000 | ------ | ------ | APR | 2.910 | 2.135 | 2.800 | 2.041 | ------ | ------ | | $650K | 3.375 | 2.250 | ------ | ------ | ------ | ------ | APR | 3.417 | 2.325 | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | 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 | 3.000 | 2.250 | 2.875 | 2.125 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 3.125 | 2.375 | 3.000 | 2.250 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.125 | 2.750 | 2.000 | ------ | ------ | APR | 2.885 | 2.090 | 2.764 | 1.975 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | 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 | 3.000 | 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 | 3.250 | 2.500 | 3.000 | 2.250 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.250 | 2.750 | 2.125 | ------ | ------ | APR | 2.988 | 2.295 | 2.768 | 2.197 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | 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 | 3.000 | 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 | 3.000 | 2.125 | 2.750 | 2.000 | ------ | ------ | APR | 3.182 | 2.346 | 2.759 | 2.065 | ------ | ------ | | $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 | 2.875 | 2.250 | 2.875 | 2.000 | ------ | ------ | $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 | 2.875 | 2.125 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.125 | 2.750 | 2.000 | ------ | ------ | APR | 2.869 | 2.080 | 2.756 | 2.089 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | 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 | 2.500 | 3.125 | 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 | 2.875 | 2.000 | 2.750 | 2.000 | ------ | ------ | APR | 2.980 | 2.092 | 2.831 | 2.103 | ------ | ------ | | $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 | 3.125 | 2.375 | 3.000 | 2.250 | ------ | ------ | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 3.375 | 2.625 | 3.250 | 2.500 | ------ | ------ | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $300K | 2.875 | 2.125 | 2.750 | 2.000 | ------ | ------ | APR | 2.930 | 2.179 | 2.814 | 2.103 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | 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 | 3.000 | 2.250 | 2.875 | 2.125 | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | ------ | ------ | ------ | ------ | ------ | ------ | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | $510K | 2.875 | 2.125 | 2.750 | 2.000 | ------ | ------ | APR | 2.924 | 2.193 | 2.763 | 2.074 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | APR | ------ | ------ | ------ | ------ | ------ | ------ | | 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 |