【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年6月1日星期三

奇虎贷款

奇虎贷款
没有最低，只有更低！
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SUMMARY：今天（2022年6月1日星期三）美房贷二级市场的利率价格和昨天相比变差。目前加州30年固定的零费用重贷利率回涨至5.25%，15年固定涨至4.75%；购房贷款50万左右，30年固定的利率涨至5.000% with 0 point, plus closing cost (APR 5.051%)，15年固定涨至4.25% with 0 point, plus closing cost (APR 4.336%)。

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 5.250 4.750 5.000 4.625 ------ ------
$650K ------ ------ ------ ------ ------ ------
Jumbo ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.375 5.000 5.250 5.000 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.000 4.250 4.875 4.250 ------ ------
APR 5.051 4.336 4.929 4.347 ------ ------
 
$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 5.250 4.750 5.000 4.625 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.375 5.000 5.250 5.000 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.000 4.250 4.875 4.250 ------ ------
APR 5.022 4.288 4.890 4.277 ------ ------
 
$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 5.250 4.875 5.250 4.875 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.500 ------ ------ ------ ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.000 4.250 4.875 4.250 ------ ------
APR 5.014 4.293 4.894 4.285 ------ ------
 
$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 5.250 4.875 5.250 4.875 ------ ------
$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 4.250 4.875 4.250 ------ ------
APR 4.915 4.281 4.885 4.267 ------ ------
 
$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 5.250 4.500 5.000 4.375 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.375 4.875 5.250 4.875 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.000 4.250 4.875 4.250 ------ ------
APR 5.035 4.296 4.901 4.281 ------ ------
 
$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 4.500 4.000 4.125 3.750 ------ ------
$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 5.000 4.250 4.875 4.250 ------ ------
APR 5.037 4.298 4.908 4.292 ------ ------
 
$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 5.375 5.000 5.250 5.000 ------ ------
$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 5.000 4.250 4.875 4.250 ------ ------
APR 5.027 4.315 4.912 4.317 ------ ------
 
$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 5.250 4.750 5.000 4.625 ------ ------
$650K ------ ------ ------ ------ ------ ------
Jumbo ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.375 5.000 5.250 5.000 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.000 4.250 4.875 4.250 ------ ------
APR 5.022 4.287 4.890 4.276 ------ ------
 
$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                         
 

 

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