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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年3月24日星期四
SUMMARY：今天（2022年3月24日星期四）美房贷二级市场的利率价格和昨天相比基本持平。目前加州30年固定的零费用重贷利率仍维持在4.5%的高位，15年固定仍为3.875%；购房贷款50万左右，30年固定的利率为4.375% with 0 point, plus closing cost (APR 4.424%)，15年固定为3.625% with 0 point, plus closing cost (APR 3.709%)。
即便房贷利率已创过去两年的新高，但在当前高启的通货膨胀率下，贷到就是赚到！这也是目前仍有许多人从增值的房产中通过cash-out refinance来套现，取出的钱用来继续投资或准备未来各类资产的抄底。至于现在稍高的利率，则可等到将来利率回落后再通过refi来把利率降下来。
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 | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.625 | 4.125 | 4.500 | 4.000 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | | APR | 4.424 | 3.709 | 4.302 | 3.720 | ------ | ------ | | | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | APR | ------ | ------ | ------ | ------ | ------ | ------ | | | | 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 | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.625 | 4.125 | 4.500 | 4.000 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | | APR | 4.406 | 3.662 | 4.288 | 3.655 | ------ | ------ | | | | $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 | 4.625 | 4.125 | 4.500 | 4.000 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | | APR | 4.415 | 3.667 | 4.292 | 3.662 | ------ | ------ | | | | $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 | 4.625 | 4.125 | 4.500 | 4.000 | ------ | ------ | | $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 | 4.375 | 3.500 | 4.125 | 3.500 | ------ | ------ | | APR | 4.438 | 3.569 | 4.183 | 3.575 | ------ | ------ | | | | $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 | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.625 | 4.125 | 4.500 | 4.000 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | | APR | 4.408 | 3.653 | 4.280 | 3.638 | ------ | ------ | | | | $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 | 4.875 | 4.500 | 4.625 | 4.375 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 4.875 | 4.125 | 4.375 | 4.125 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 4.375 | 3.625 | 4.250 | 3.500 | ------ | ------ | | APR | 4.416 | 3.675 | 4.286 | 3.594 | ------ | ------ | | | | $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 | 4.625 | 4.250 | 4.500 | 4.250 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | ------ | ------ | ------ | 4.500 | ------ | ------ | | $600K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $300K | 4.375 | 3.625 | 4.250 | 3.500 | ------ | ------ | | APR | 4.459 | 3.691 | 4.286 | 3.619 | ------ | ------ | | | | $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 | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | Jumbo | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.625 | 4.250 | 4.500 | 4.125 | ------ | ------ | | $650K | ------ | ------ | ------ | ------ | ------ | ------ | | | | PRIMARY RESIDENCE - PURCHASE: | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | | $510K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ | | APR | 4.406 | 3.661 | 4.275 | 3.651 | ------ | ------ | | | | $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 |
