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【今日房貸利率】2017年9月15日星期五（CA、FL、GA、MD、TX、VA、WA）

(2017-09-15 15:33:51) 下一個

SUMMARY：今天（9月15日星期五）的房貸利率價格受這兩天股市利好的影響，和昨天相比持平。

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 $424K, 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
<=$424K 3.750 3.000 3.625 3.000 3.125 3.375
>$424K 3.950 3.250 3.875 ------ 3.500 3.750
Jumbo 3.875 3.500 4.250 ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.125 3.625 3.875
>$424K 4.375 3.750 4.250 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.670 2.973 3.534 2.965 3.034 3.179
 
>$424K 3.800 3.125 3.750 ------ 3.375 3.500
APR 3.831 3.189 3.804 ------ 3.402 3.524
 
Jumbo 3.750 3.375 4.125 ------ 3.250 3.250
APR 3.779 3.419 4.151 ------ 3.264 3.280
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.875 3.375 3.375 3.625
APR 4.130 3.474 3.924 3.519 3.411 3.662
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, 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
<=$424K 3.750 3.000 3.625 3.000 3.125 3.375
>$424K 4.000 3.625 4.250 ------ 3.500 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.125 3.500 3.750
>$424K 4.000 3.750 4.250 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.642 2.923 3.483 2.892 3.006 3.151
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.759 3.483 4.117 ------ 3.261 3.373
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.500 3.375 3.375 3.625
APR 4.101 3.423 3.488 3.445 3.384 3.634
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, 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
<=$424K 3.875 3.125 3.625 3.125 3.375 3.625
>$424K 4.125 3.750 4.375 ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.750 3.250 3.750 3.875
>$424K 4.125 3.875 4.375 ------ 3.625 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.635 2.929 3.488 2.902 3.010 3.155
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.761 3.487 4.121 ------ 3.263 3.375
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.031 3.430 3.890 3.455 3.387 3.637
 
******************************* 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
<=$424K 3.875 3.250 3.750 3.125 4.125 3.990
>$424K 4.125 3.875 4.375 ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 ------ 4.375
>$424K 4.125 3.875 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.640 2.937 3.507 2.914 3.034 3.179
 
>$424K 3.875 3.500 4.125 ------ 3.250 3.375
APR 3.858 3.484 4.122 ------ 3.261 3.373
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.036 3.438 3.896 3.467 3.432 3.683
 
******************************* 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
<=$424K 4.000 3.375 3.875 3.375 ------ 4.250
>$424K 4.250 4.125 4.750 ------ 4.250 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.500 ------ ------
>$424K 4.375 4.375 4.750 ------ 4.250 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.649 2.953 3.523 2.936 3.033 3.178
 
>$424K 3.875 3.500 4.125 ------ 3.250 3.375
APR 3.861 3.489 4.122 ------ 3.264 3.376
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.045 3.454 3.909 3.490 3.432 3.683
 
******************************* 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
<=$424K 3.875 3.250 3.750 3.250 4.125 4.125
>$424K 4.125 3.875 4.500 ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 ------ 4.500
>$424K 4.250 4.000 4.500 ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.663 2.978 3.542 2.973 3.047 3.192
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.767 3.499 4.130 ------ 3.269 3.381
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.375 3.625
APR 4.060 3.480 3.929 3.527 3.447 3.698
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, 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
<=$424K 3.750 3.000 3.500 3.000 3.125 3.375
>$424K 4.000 3.625 4.250 ------ 3.500 3.625
Jumbo 3.875 3.500 4.250 ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.125 3.500 3.750
>$424K 4.000 3.750 4.250 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.641 2.922 3.487 2.891 3.006 3.151
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.758 3.482 4.117 ------ 3.260 3.372
 
Jumbo 3.750 3.375 4.125 ------ 3.250 3.250
APR 3.749 3.366 4.109 ------ 3.236 3.251
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.375 3.500 3.375 3.375 3.625
APR 4.100 3.422 3.487 3.444 3.383 3.633

 

 

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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