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【今日房貸利率】2018年2月5日星期一(CA、FL、GA、MD、TX、VA、WA)

(2018-02-05 09:59:32) 下一個

SUMMARY:今天(2月5日星期一)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 4.375 3.750 4.125 3.750 4.000 4.125
>$453K 4.500 4.000 4.875 ------ 4.250 4.500
Jumbo 4.500 4.500 4.875 ------ 4.250 4.250
 
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 4.375 4.625
>$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 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.265 3.688 4.078 3.716 3.795 3.921
 
>$453K 4.500 3.875 4.750 ------ 4.125 4.375
APR 4.506 3.941 4.783 ------ 4.153 4.404
 
Jumbo 4.250 4.250 4.750 ------ 3.875 4.000
APR 4.294 4.291 4.777 ------ 3.918 4.023
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.375
APR 4.673 4.226 4.455 4.271 4.163 4.414
 
******************************* 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 4.375 3.750 4.125 3.750 4.000 4.125
>$453K 4.500 4.500 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 4.500 4.000 4.250 4.000 4.250 4.500
>$453K 5.000 4.500 4.875 ------ 4.250 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.236 3.637 4.038 3.642 3.767 3.892
 
>$453K 4.250 4.250 4.750 ------ 3.875 4.000
APR 4.269 4.247 4.742 ------ 3.894 3.998
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.375
APR 4.643 4.174 4.414 4.196 4.134 4.384
 
******************************* 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 4.375 3.875 4.250 3.875 4.500 4.625
>$453K 4.750 4.750 5.000 ------ 4.375 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.375 4.000 4.500 4.625
>$453K 5.125 4.750 5.000 ------ 4.375 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.229 3.644 4.044 3.652 3.771 3.896
 
>$453K 4.250 4.250 4.750 ------ 3.875 4.000
APR 4.272 4.252 4.746 ------ 3.896 4.001
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.375
APR 4.636 4.181 4.419 4.206 4.138 4.388
 
******************************* 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 4.375 4.000 4.250 4.000 5.125 5.375
>$453K 5.125 4.750 5.000 ------ 4.375 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 5.125 4.500 ------ ------ 5.375
>$453K 5.125 4.750 5.000 ------ 4.500 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.500 4.000 3.500 3.750 3.875
APR 4.172 3.600 4.050 3.645 3.796 3.921
 
>$453K 4.875 4.375 4.750 ------ 4.125 4.375
APR 4.872 4.408 4.747 ------ 4.128 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.125 4.375 4.125 4.125 4.375
APR 4.559 4.190 4.426 4.218 4.184 4.435
 
******************************* 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 4.500 4.125 4.375 4.125 ------ ------
>$453K 5.500 5.000 5.375 ------ 5.000 5.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.750 4.250 4.500 4.250 ------ ------
>$453K 5.500 5.000 5.375 ------ 5.000 5.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 4.000 3.625 3.750 3.875
APR 4.181 3.668 4.063 3.687 3.794 3.920
 
>$453K 4.875 4.375 4.750 ------ 4.125 4.375
APR 4.873 4.409 4.747 ------ 4.128 4.378
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.375
APR 4.650 4.206 4.439 4.241 4.185 4.436
 
******************************* 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 4.500 4.000 4.250 4.000 ------ 5.375
>$453K 4.875 4.750 5.125 ------ 4.500 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 ------ 5.375
>$453K 5.250 4.750 5.125 ------ 4.500 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 4.000 3.625 3.750 3.875
APR 4.196 3.694 4.083 3.724 3.809 3.934
 
>$453K 4.250 4.250 4.750 ------ 3.875 4.000
APR 4.278 4.263 4.755 ------ 3.903 4.007
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.375
APR 4.665 4.232 4.459 4.279 4.200 4.451
 
******************************* 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 4.375 3.750 4.125 3.750 4.000 4.125
>$453K 4.500 4.500 4.875 ------ 4.250 4.500
Jumbo 4.500 4.500 4.875 ------ 4.250 4.250
 
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 4.250 4.500
>$453K 5.000 4.500 4.875 ------ 4.250 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.625 4.000 3.625 3.750 3.875
APR 4.240 3.636 4.037 3.641 3.766 3.891
 
>$453K 4.250 4.250 4.750 ------ 3.875 4.000
APR 4.269 4.246 4.742 ------ 3.893 3.998
 
Jumbo 4.250 4.250 4.750 ------ 3.875 4.000
APR 4.264 4.237 4.734 ------ 3.889 3.993
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.625 4.125 4.375 4.125 4.125 4.375
APR 4.654 4.173 4.413 4.195 4.133 4.384
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
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