【今日房貸利率】2018年1月25日星期四（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月25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 4.000 3.625 3.875 4.000 >$453K 4.375 3.875 4.375 ------ 4.125 4.375 Jumbo 4.250 4.375 4.750 ------ 4.125 4.125   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.750 4.125 3.750 4.250 4.500 >$453K 4.750 4.500 4.750 ------ 4.125 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 3.625 3.750 APR 4.046 3.474 3.910 3.519 3.680 3.795   >$453K 4.200 3.750 4.200 ------ 4.000 4.250 APR 4.219 3.797 4.227 ------ 4.028 4.279   Jumbo 4.125 4.000 4.625 ------ 3.875 3.875 APR 4.158 4.059 4.652 ------ 3.898 3.898   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 4.000 4.250 APR 4.526 4.101 4.315 4.145 4.038 4.288   ******************************* 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 4.000 3.625 3.875 4.000 >$453K 4.375 4.375 4.750 ------ 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 4.125 3.750 4.125 4.375 >$453K 4.875 4.375 4.750 ------ 4.125 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 3.625 3.750 APR 4.017 3.423 3.870 3.445 3.652 3.767   >$453K 4.125 4.000 4.625 ------ 3.875 3.875 APR 4.134 4.015 4.617 ------ 3.873 3.873   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 4.000 4.250 APR 4.496 4.049 4.274 4.071 4.009 4.259   ******************************* 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 4.250 3.750 4.000 3.750 4.375 4.250 >$453K 4.500 4.625 4.875 ------ 4.250 4.500   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 3.875 4.125 3.875 4.375 4.500 >$453K 5.000 4.625 4.875 ------ 4.250 4.500   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 3.625 3.750 APR 4.011 3.430 3.875 3.455 3.656 3.771   >$453K 4.125 4.000 4.625 ------ 3.875 3.875 APR 4.136 4.020 4.621 ------ 3.876 3.876   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 4.000 4.250 APR 4.490 4.056 4.279 4.081 4.013 4.263   ******************************* 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 4.125 3.750 ------ 5.250 >$453K 5.000 4.625 4.875 ------ 4.250 4.500   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.625 4.375 4.500 ------ ------ 5.250 >$453K 5.000 4.625 4.875 ------ 4.375 4.500   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 3.625 3.750 APR 4.015 3.438 3.882 3.467 3.681 3.796   >$453K 4.750 4.250 4.625 ------ 4.000 4.250 APR 4.747 4.283 4.622 ------ 4.003 4.253   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 4.250 APR 4.423 4.064 4.286 4.093 4.059 4.310   ******************************* 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 4.250 4.000 ------ ------ >$453K 5.375 4.875 5.250 ------ 4.875 4.875   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.375 4.125 ------ ------ >$453K 5.375 4.875 5.250 ------ 4.875 4.875   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 3.625 3.750 APR 4.024 3.454 3.894 3.490 3.679 3.794   >$453K 4.750 4.250 4.625 ------ 4.000 4.250 APR 4.748 4.283 4.622 ------ 4.003 4.253   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 4.250 APR 4.432 4.080 4.299 4.116 4.060 4.311   ******************************* 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 4.375 3.875 4.125 3.875 ------ 5.250 >$453K 4.625 4.625 5.000 ------ 4.375 4.500   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 ------ 5.250 >$453K 5.125 4.625 5.000 ------ 4.375 4.500   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 3.625 3.750 APR 4.039 3.480 3.914 3.527 3.694 3.809   >$453K 4.125 4.000 4.625 ------ 3.875 3.875 APR 4.143 4.031 4.630 ------ 3.882 3.882   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 4.250 APR 4.447 4.106 4.319 4.154 4.074 4.325   ******************************* 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 4.000 3.625 3.875 4.000 >$453K 4.375 4.375 4.750 ------ 4.125 4.250 Jumbo 4.250 4.375 4.750 ------ 4.125 4.125   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.750 4.125 3.750 4.125 4.375 >$453K 4.875 4.375 4.750 ------ 4.125 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 3.625 3.750 APR 4.017 3.422 3.869 3.444 3.651 3.766   >$453K 4.125 4.000 4.625 ------ 3.875 3.875 APR 4.133 4.015 4.617 ------ 3.873 3.873   Jumbo 4.125 4.000 4.625 ------ 3.875 3.875 APR 4.128 4.006 4.609 ------ 3.868 3.868   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 4.000 4.250 APR 4.496 4.048 4.273 4.069 4.008 4.258

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