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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年4月6日星期三
SUMMARY：今天（2022年4月6日星期三）美房贷二级市场的利率价格和昨天相比大幅变差。目前加州30年固定的零费用重贷利率暴涨至5.000%，15年固定升至4.125%；购房贷款50万左右，30年固定的利率涨至4.75% with 0 point, plus closing cost (APR 4.789%)，15年固定涨至4.000% with 0 point, plus closing cost (APR 4.067%)。
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 |
5.000 |
4.125 |
4.750 |
4.125 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| Jumbo |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
------ |
4.375 |
5.000 |
4.250 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
4.750 |
4.000 |
4.625 |
3.875 |
------ |
------ |
| APR |
4.789 |
4.067 |
4.678 |
3.998 |
------ |
------ |
| |
| $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 |
5.000 |
4.125 |
4.750 |
4.125 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
------ |
4.375 |
5.000 |
4.250 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
4.750 |
4.000 |
4.625 |
3.875 |
------ |
------ |
| APR |
4.761 |
4.019 |
4.640 |
3.929 |
------ |
------ |
| |
| $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 |
5.000 |
4.250 |
4.875 |
4.250 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
------ |
------ |
------ |
4.500 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
4.750 |
4.000 |
4.625 |
3.875 |
------ |
------ |
| APR |
4.783 |
4.054 |
4.664 |
3.936 |
------ |
------ |
| |
| $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 |
5.000 |
4.250 |
4.875 |
4.250 |
------ |
------ |
| $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 |
4.625 |
3.875 |
4.625 |
3.875 |
------ |
------ |
| APR |
4.664 |
3.924 |
4.635 |
3.919 |
------ |
------ |
| |
| $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 |
4.875 |
4.125 |
4.750 |
4.000 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
5.000 |
4.250 |
4.875 |
4.250 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
4.875 |
4.000 |
4.750 |
3.875 |
------ |
------ |
| APR |
4.904 |
4.068 |
4.801 |
3.913 |
------ |
------ |
| |
| $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 |
5.250 |
4.625 |
------ |
------ |
------ |
------ |
| $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 |
4.875 |
4.000 |
4.750 |
3.875 |
------ |
------ |
| APR |
4.906 |
4.041 |
4.808 |
3.943 |
------ |
------ |
| |
| $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 |
5.125 |
4.375 |
5.000 |
4.250 |
------ |
------ |
| $600K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $300K |
------ |
4.750 |
------ |
------ |
------ |
------ |
| $600K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $300K |
4.875 |
4.000 |
4.750 |
3.875 |
------ |
------ |
| APR |
4.916 |
4.058 |
4.792 |
3.968 |
------ |
------ |
| |
| $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 |
5.000 |
4.125 |
4.750 |
4.125 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| Jumbo |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
5.125 |
4.375 |
5.000 |
4.250 |
------ |
------ |
| $650K |
------ |
------ |
------ |
------ |
------ |
------ |
| |
| PRIMARY RESIDENCE - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| $510K |
4.750 |
4.000 |
4.625 |
3.875 |
------ |
------ |
| APR |
4.791 |
4.038 |
4.669 |
3.928 |
------ |
------ |
| |
| $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):
-
-
-
-
-
-
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 |
