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【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 2022年8月4日星期四

(2022-08-04 16:02:51) 下一个

SUMMARY：今天（2022年8月4日星期四）美房贷二级市场的利率价格和昨天相比变好。目前加州30年固定的零费用重贷利率降至4.875%，15年固定降至4.25%；购房贷款50万左右，30年固定的利率降至4.75% with 0 point, plus closing cost (APR 4.800%)，15年固定降为4.125% with 0 point, plus closing cost (APR 4.192)。

奇虎贷款利率查询电话：949-829-3863或888-800-4151。电邮：[email protected]。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 4.875 4.250 4.750 4.250 ------ ------
$650K ------ ----- ------ ------ ------ ------
Jumbo ----- ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.250 4.625 4.875 4.500 ------ ------
$650K ------ ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 4.750 4.125 4.625 4.000 ------ ------
APR 4.800 4.192 4.678 4.123 ------ ------
 
$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 4.875 4.250 4.750 4.250 ------ ------
$650K ----- ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.250 4.625 4.875 4.500 ------ ------
$650K ----- ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 4.750 4.125 4.625 4.000 ------ ------
APR 4.772 4.144 4.640 4.054 ------ ------
 
$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 4.500 4.875 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 4.750 5.125 4.750 ------ ------
$650K ----- ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 4.750 4.125 4.625 4.000 ------ ------
APR 4.764 4.149 4.644 4.061 ------ ------
 
$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 4.500 4.875 4.375 ------ ------
$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 4.625 4.000 4.500 3.875 ------ ------
APR 4.664 4.049 4.539 3.972 ------ ------
 
$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 4.250 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 5.000 4.500 4.875 4.375 ------ ------
$650K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 4.750 4.125 4.625 4.000 ------ ------
APR 4.755 4.133 4.631 4.038 ------ ------
 
$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 5.375 4.875 5.250 4.750 ------ ------
$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 4.750 4.000 4.500 4.000 ------ ------
APR 4.767 4.066 4.552 4.068 ------ ------
 
$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 4.625 4.875 4.500 ------ ------
$600K ----- ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K 5.500 4.875 5.375 4.875 ------ ------
$600K ----- ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$300K 4.750 4.000 4.500 4.000 ------ ------
APR 4.777 4.083 4.566 4.093 ------ ------
 
$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 4.875 4.250 4.750 4.250 ------ ------
$650K ----- ----- ------ ------ ------ ------
Jumbo ----- ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 5.250 4.625 4.875 4.500 ------ ------
$650K ----- ----- ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$510K 4.750 4.125 4.625 4.000 ------ ------
APR 4.771 4.143 4.639 4.053 ------ ------
 
$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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