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【今日房貸利率】2017年10月19日星期四（CA、FL、GA、MD、TX、VA、WA）

(2017-10-19 09:40:31) 下一個

SUMMARY：今天（10月19日星期四)開盤時的房貸利率價格和上個工作日相比略有下降.

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 3.875 3.250 3.625 3.125 3.125 3.375
>$424K 4.000 3.375 3.875 3.375 3.750 3.625
Jumbo 4.000 3.750 4.375 ------ 3.625 3.625
 
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 3.875 4.000
>$424K 4.125 3.875 4.250 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.000 2.875 3.125
APR 3.775 3.169 3.631 3.116 2.928 3.169
 
>$424K 3.990 3.250 3.750 3.250 3.250 3.500
APR 4.034 3.284 3.766 3.257 3.295 3.521
 
Jumbo 3.750 3.500 4.250 ------ 3.375 3.375
APR 3.783 3.557 4.276 ------ 3.399 3.414
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.161 3.669 3.953 3.689 3.662 3.912
 
******************************* 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 3.875 3.250 3.625 3.125 3.125 3.375
>$424K 4.000 3.750 4.375 ------ 3.625 3.625
 
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 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.000 2.875 3.125
APR 3.746 3.119 3.592 3.043 2.901 3.141
 
>$424K 3.750 3.500 4.250 ------ 3.375 3.375
APR 3.759 3.515 4.242 ------ 3.382 3.393
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.132 3.619 3.913 3.616 3.634 3.884
 
******************************* 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 3.250 3.750 3.250 3.250 3.500
>$424K 4.125 3.875 4.500 ------ 3.875 4.000
 
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 4.000 4.125
>$424K 4.250 4.125 4.500 ------ 3.875 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.000 2.875 3.125
APR 3.740 3.125 3.597 3.053 2.904 3.145
 
>$424K 3.750 3.500 4.250 ------ 3.375 3.375
APR 3.761 3.520 4.246 ------ 3.384 3.396
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.125 3.625 3.918 3.626 3.637 3.888
 
******************************* 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 3.250 3.750 4.000
>$424K 4.125 4.000 4.500 ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.000 3.625 ------ 4.875
>$424K 4.250 4.125 4.500 ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 3.000 3.500 3.000 2.875 3.125
APR 3.681 3.081 3.563 3.065 2.928 3.169
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.375
APR 3.879 3.622 4.247 ------ 3.380 3.392
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.500 3.875 3.500 3.625 3.875
APR 4.057 3.582 3.925 3.619 3.683 3.933
 
******************************* 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 3.500 3.875 3.500 ------ ------
>$424K 4.375 4.500 4.875 ------ 4.500 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 4.000 3.625 ------ ------
>$424K 4.375 4.500 4.875 ------ 4.500 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 3.000 2.875 3.125
APR 3.753 3.096 3.576 3.088 2.927 3.168
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.375
APR 3.882 3.627 4.247 ------ 3.385 3.396
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.625 3.875
APR 4.139 3.598 3.937 3.642 3.683 3.934
 
******************************* 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 4.000 3.375 3.875 3.375 4.000 4.125
>$424K 4.125 3.875 4.625 ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 4.375 4.500
>$424K 4.250 4.250 4.625 ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 3.000 2.875 3.125
APR 3.768 3.122 3.596 3.124 2.941 3.182
 
>$424K 3.750 3.500 4.250 ------ 3.375 3.375
APR 3.767 3.531 4.255 ------ 3.391 3.402
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.625 3.875
APR 4.154 3.623 3.958 3.679 3.698 3.949
 
******************************* 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 3.875 3.250 3.625 3.125 3.125 3.375
>$424K 4.000 3.750 4.375 ------ 3.625 3.625
Jumbo 4.000 3.750 4.375 ------ 3.500 3.500
 
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 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.125 3.625 3.000 2.875 3.125
APR 3.742 3.118 3.604 3.042 2.900 3.141
 
>$424K 3.750 3.500 4.250 ------ 3.375 3.375
APR 3.758 3.515 4.242 ------ 3.381 3.393
 
Jumbo 3.750 3.500 4.250 ------ 3.250 3.375
APR 3.753 3.504 4.234 ------ 3.258 3.368
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 3.625 3.875
APR 4.131 3.618 3.912 3.614 3.633 3.883

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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