【今日房貸利率】2018年1月18日星期四（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月18日星期四)開盤時的房貸利率價格和上個工作日相比基本持平。

注：除非特別說明，以下列出的利率都是基於本帖底部的貸款參數，並且是帶impound account的利率。

******************************* CALIFORNIA ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K, Jumbo Loan $750K. 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
<=$453K	4.125	3.625	3.875	3.625	4.250	4.375
>$453K	4.250	3.875	4.250	------	4.125	4.250
Jumbo	4.375	4.250	4.625	------	4.125	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.000	3.750	4.250	4.375
>$453K	4.700	4.375	4.625	------	4.125	4.250
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.025	3.456	3.881	3.492	4.038	3.931
>$453K	4.125	3.625	4.125	------	4.000	4.125
APR	4.156	3.709	4.168	------	4.028	4.153
Jumbo	4.125	4.000	4.500	------	3.875	3.750
APR	4.169	4.078	4.527	------	3.898	3.793
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	4.000	4.125
APR	4.433	4.101	4.285	4.145	4.038	4.163
******************************* MARYLAND ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K	4.125	3.625	3.875	3.625	4.125	4.250
>$453K	4.375	4.250	4.625	------	4.125	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.000	3.750	4.125	4.250
>$453K	4.875	4.250	4.625	------	4.125	4.250
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	3.996	3.405	3.841	3.419	4.009	3.902
>$453K	4.125	4.000	4.500	------	3.875	3.750
APR	4.144	4.034	4.492	------	3.873	3.769
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	4.000	4.125
APR	4.403	4.049	4.245	4.071	4.009	4.134
******************************* VIRGINIA ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K. 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
<=$453K	4.125	3.625	4.000	3.625	4.375	4.375
>$453K	5.000	4.500	4.750	------	4.250	4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.875	4.125	3.875	4.375	4.375
>$453K	5.000	4.500	4.750	------	4.250	4.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	3.990	3.412	3.847	3.428	4.013	3.906
>$453K	4.125	4.000	4.500	------	3.875	3.750
APR	4.147	4.039	4.496	------	3.876	3.771
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	4.000	4.125
APR	4.396	4.056	4.250	4.081	4.013	4.138
******************************* 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
<=$453K	4.250	3.750	4.000	3.750	------	5.125
>$453K	5.000	4.500	4.750	------	4.250	4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.375	4.375	------	------	5.125
>$453K	5.000	4.500	4.750	------	4.375	4.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	3.875	3.375	3.750	3.375	4.000	3.875
APR	3.932	3.420	3.814	3.440	4.059	3.932
>$453K	4.750	4.125	4.500	------	4.000	4.125
APR	4.747	4.158	4.497	------	4.003	4.128
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.125	4.000	4.000	4.125
APR	4.401	4.064	4.190	4.093	4.059	4.184
******************************* 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
<=$453K	4.375	4.000	4.125	4.000	------	------
>$453K	5.375	4.750	5.125	------	4.875	4.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.250	4.250	4.250	------	------
>$453K	5.375	4.750	5.125	------	4.875	4.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.750	3.375	4.000	3.875
APR	4.004	3.436	3.826	3.463	4.060	3.930
>$453K	4.750	4.125	4.500	------	4.000	4.125
APR	4.748	4.158	4.497	------	4.003	4.128
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.125	4.000	4.000	4.125
APR	4.410	4.080	4.202	4.116	4.060	4.185
******************************* 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
<=$453K	4.250	3.875	4.125	3.875	------	5.125
>$453K	5.125	4.500	4.875	------	4.375	4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	------	5.125
>$453K	5.125	4.500	4.875	------	4.375	4.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.750	3.375	4.000	3.875
APR	4.018	3.461	3.847	3.500	4.074	3.945
>$453K	4.125	4.000	4.500	------	3.875	3.750
APR	4.153	4.050	4.505	------	3.882	3.778
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.125	4.000	4.000	4.125
APR	4.425	4.106	4.223	4.154	4.074	4.200
******************************* WASHINGTON ******************************* (Based on Conforming Loan $453K, High-Balance Loan $636K, Jumbo Loan $750K. 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
<=$453K	4.125	3.625	3.875	3.625	4.125	4.250
>$453K	4.375	4.250	4.625	------	4.125	4.250
Jumbo	4.375	4.250	4.625	------	4.125	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.250	3.750	4.000	3.750	4.125	4.250
>$453K	4.875	4.250	4.625	------	4.125	4.250
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	3.996	3.404	3.841	3.417	4.008	3.902
>$453K	4.125	4.000	4.500	------	3.875	3.750
APR	4.144	4.033	4.492	------	3.873	3.768
Jumbo	4.125	4.000	4.500	------	3.875	3.750
APR	4.139	4.024	4.484	------	3.868	3.763
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	4.000	4.125
APR	4.403	4.048	4.244	4.069	4.008	4.133

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 (Sorry, this is a requirement by the lender from which the above rates are based)

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：以上凡是沒有表明利率的loan program，意味著該program做不了no point的貸款，需要收point才能做。

奇虎貸款NMLS ID: 1169300