******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. 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
<=$484K
3.250
2.875
3.250
2.750
2.750
2.875
>$484K
3.375
3.000
------
------
3.125
------
Jumbo
3.750
3.625
------
------
3.750
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.375
2.875
3.250
2.875
3.000
3.125
>$484K
3.750
3.250
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.154
2.766
3.137
2.747
2.749
2.874
>$484K
3.250
2.875
------
------
3.000
------
APR
3.282
2.915
------
------
3.022
------
Jumbo
3.750
3.500
------
------
3.875
3.875
APR
3.726
3.530
------
------
3.892
3.912
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.500
3.125
3.375
3.125
------
------
APR
3.539
3.177
3.444
3.175
------
------
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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
<=$484K
3.250
2.875
3.250
2.750
2.750
2.875
>$484K
3.375
3.500
------
------
3.625
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.375
2.875
3.250
2.875
3.000
3.125
>$484K
3.625
3.750
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.137
2.736
3.114
2.704
2.723
2.848
>$484K
3.750
3.500
------
------
3.875
3.875
APR
3.705
3.492
------
------
3.870
3.891
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.500
3.125
3.500
3.125
------
------
APR
3.523
3.147
3.503
3.131
------
------
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, 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
<=$484K
3.250
2.875
3.250
2.875
2.875
3.000
>$484K
3.500
3.500
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.375
3.000
3.375
3.000
------
------
>$484K
3.875
3.875
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.130
2.742
3.119
2.712
2.726
2.851
>$484K
3.750
3.500
------
------
3.875
3.875
APR
3.707
3.496
------
------
3.873
3.893
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.500
3.125
3.500
3.125
------
------
APR
3.516
3.153
3.508
3.139
------
------
******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. 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
<=$484K
3.375
3.000
3.250
2.875
------
------
>$484K
3.625
3.500
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.625
3.500
3.625
3.750
------
------
>$484K
3.875
3.750
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.000
2.750
2.750
2.875
APR
3.140
2.759
3.076
2.736
2.755
2.880
>$484K
4.125
3.875
------
------
3.875
4.250
APR
4.145
3.846
------
------
3.890
4.260
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.375
3.125
3.375
3.000
------
------
APR
3.430
3.170
3.438
3.144
------
------
******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $562K. 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
<=$484K
3.250
2.750
3.125
2.750
2.750
2.875
>$484K
3.625
3.500
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
------
------
------
------
------
------
>$484K
------
------
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.123
2.728
3.108
2.692
2.719
2.844
>$484K
3.750
3.500
------
------
3.875
4.000
APR
3.712
3.505
------
------
3.878
3.992
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.500
3.125
3.500
3.125
------
------
APR
3.508
3.139
3.497
3.119
------
------
******************************* FLORIDA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K 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
<=$484K
3.375
3.125
3.375
3.000
------
------
>$484K
3.750
3.625
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.625
3.250
3.625
3.250
------
------
>$484K
4.000
------
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.148
2.774
3.144
2.759
2.753
2.878
>$484K
4.125
3.875
------
------
3.875
4.250
APR
4.148
3.851
------
------
3.893
4.263
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.625
3.125
3.375
3.125
------
------
APR
3.634
3.185
3.450
3.186
------
------
******************************* GEORGIA ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. 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
<=$484K
3.375
3.000
3.375
3.000
------
------
>$484K
3.625
3.500
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.500
3.125
3.500
3.125
------
------
>$484K
4.000
3.750
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.162
2.799
3.163
2.795
2.767
2.892
>$484K
3.750
3.500
------
------
3.875
3.875
APR
3.716
3.513
------
------
3.882
3.903
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.625
3.125
3.375
3.125
------
------
APR
3.648
3.211
3.470
3.223
------
------
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. 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
<=$484K
3.250
2.875
3.250
2.750
2.750
2.875
>$484K
3.375
3.250
------
------
3.625
------
Jumbo
3.750
3.625
------
------
3.625
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.375
2.875
3.250
2.875
3.000
3.125
>$484K
3.750
3.625
------
------
3.750
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.125
2.750
3.125
2.750
2.750
2.875
APR
3.137
2.736
3.114
2.703
2.723
2.848
>$484K
3.750
3.500
------
------
3.875
3.875
APR
3.704
3.491
------
------
3.870
3.891
Jumbo
3.750
3.500
------
------
3.875
3.875
APR
3.699
3.482
------
------
3.865
3.885
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
<=$484K
3.625
3.125
3.500
3.125
------
------
APR
3.682
3.147
3.503
3.130
------
------
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.
SUMMARY：今天（3月3日星期二），美联储给大家送上大礼包——紧急降息0.5%！但美联储降息，是否就意味着房贷利率也会应声回落呢？。。。
我换个角度来问这个问题：如果欧佩克（链接）通过增产决议，来打压原油价格使其下跌，那我们在加油站看到的油价，是不是也会跟着下跌呢？答案是不一定。因为我们在加油站看到的油价，除了受原油价格的影响，还受制于各炼油厂的产能和营销战略，以及当地市场的供求情况等等因素的影响。各地的汽油价格不同，如德州的要比加州的低很多，Shell、Chevron、Arco等加油站之间的价格，也会因各自的产能和市场战略而互不相同。如果因为病毒传染的恐慌，引发消费者蜂拥至各个加油站去囤积汽油，那么尽管原油价格在下跌，消费者能加到的汽油价格，却是有可能不降反升的哦。
现在回来说房贷利率。美联储降息，实际上是通过亲自参与债券市场的操作，来降低美联储预定的目标利率（target rate）；而这个所谓的目标利率，则是其它各种重要利率，如银行放贷给自己最优质的公司客户的利率，房贷利率等等，的基础。如果你把美联储看作是欧佩克，美联储降的那个息（即目标利率）看作是原油价格，各家lender看作是那些石油精炼厂，那房贷利率就是在加油站我们这些消费者能拿到的汽油零售价。很多时候比如说现在，当炼油厂（lender）因为受产能限制，无法应对蜂拥而来的恐慌性抢购，就会决定暂时提高在自己加油站（loan agent）的汽油零售价（mortgage rate），这样做，一来可以控制汽油销售量爆棚无法交货，二来可以补偿自己员工加班加点生产所产生的额外费用。
总之，美联储降息，房贷利率基本上是会跟着下跌；但如果因美联储降息过猛，造成过量的refinance需求，那么房贷利率的下跌幅度，则有可能没有美联储降息的幅度那么大。归根到底，房贷利率是由供需双方的市场关系来决定的。
目前重新贷款50万的利率，30年仍保持在近8年的最低点3.25%，15年仍保持在2.875%；购房贷款50万左右，30年固定的利率为3.125%，15年仍为2.75%。
顺便提醒一下：如果想锁定一个理想的利率，你首先应尽快选定一家贷款公司开始递交房贷申请，着手准备材料，然后等到利率满意的时候下手锁定利率。现在重新贷款的人很多，各家贷款公司都在满负荷运转；同时现在利率变好通常维持的时间很短，如果你等到利率变好的当天再下手开始申请，很有可能会贻误时机。
奇虎贷款利率查询电话：888-800-4151 或 949-529-0113。电邮：[email protected]。官网网址：www.tigerloans.com
(Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post)
(Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post)
(Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post)
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
(Based on Conforming Loan $484K, Jumbo Loan $562K. See other assumptions at the bottom of the post)
(Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
(Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post)
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
更多我的博客文章>>>
【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 3月2日星期一 【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月28日星期五 【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月27日星期四 【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月26日星期三 【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2月25日星期二