【今日房貸利率】2017年10月30日星期一（CA、FL、GA、MD、TX、VA、WA）

SUMMARY：今天（10月30日星期一)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	3.750	3.250	3.125	3.375
>$424K	4.125	3.500	4.000	------	4.000	3.990
Jumbo	4.000	3.750	------	------	3.625	3.750
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	4.500	------	4.250	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	3.875	3.125	3.625	3.000	3.000	3.125
APR	3.879	3.187	3.688	3.143	3.034	3.179
>$424K	3.950	3.250	3.875	------	3.375	3.625
APR	3.992	3.333	3.896	------	3.421	3.669
Jumbo	3.875	3.500	------	------	3.375	3.500
APR	3.887	3.575	------	------	3.408	3.520
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.250	3.625	4.000	3.625	------	4.500
APR	4.276	3.706	4.049	3.743	------	4.553
******************************* 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	3.750	3.250	3.125	3.375
>$424K	4.125	3.750	------	------	3.875	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	3.750	3.875
>$424K	4.125	4.000	------	------	4.000	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	3.875	3.125	3.625	3.000	3.000	3.125
APR	3.851	3.137	3.647	3.070	3.006	3.151
>$424K	3.875	3.625	------	------	3.500	3.500
APR	3.863	3.604	------	------	3.506	3.516
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.250	3.625	4.000	3.625	------	4.375
APR	4.246	3.655	4.009	3.669	------	4.406
******************************* 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	4.000	3.250	3.750	3.250	3.375	3.625
>$424K	4.125	3.875	------	------	------	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.125	3.500	3.875	3.500	4.125	4.125
>$424K	4.250	------	------	------	------	------
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	3.000	3.125
APR	3.781	3.143	3.652	3.079	3.010	3.155
>$424K	3.875	3.625	------	------	3.500	3.500
APR	3.866	3.608	------	------	3.509	3.519
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.250	3.625	4.000	3.625	------	4.375
APR	4.240	3.662	4.015	3.679	------	4.410
******************************* 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	4.000	3.375	3.875	3.375	------	------
>$424K	4.250	------	------	------	4.375	4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.500	3.990	4.250	3.990	------	------
>$424K	4.375	------	------	------	------	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	3.750	3.000	3.625	3.000	3.000	3.125
APR	3.786	3.099	3.660	3.091	3.034	3.179
>$424K	4.125	------	------	------	3.875	3.990
APR	4.118	------	------	------	3.892	3.994
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.125	3.625	4.000	3.625	------	------
APR	4.172	3.670	4.021	3.691	------	------
******************************* 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	4.125	3.625	4.000	3.625	------	------
>$424K	4.500	------	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.250	3.750	4.125	3.750	------	------
>$424K	4.500	------	------	------	------	------
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	3.000	3.125
APR	3.794	3.167	3.672	3.114	3.033	3.178
>$424K	4.125	------	------	------	3.875	3.990
APR	4.121	------	------	------	3.894	3.996
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.125	3.625	4.000	3.625	------	------
APR	4.181	3.686	4.034	3.714	------	------
******************************* 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	3.500	3.875	3.500	------	------
>$424K	4.250	3.875	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.250	3.625	4.000	3.625	------	------
>$424K	4.375	------	------	------	------	4.500
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	3.000	3.125
APR	3.809	3.193	3.692	3.151	3.047	3.192
>$424K	3.875	3.625	------	------	3.500	3.625
APR	3.872	3.619	------	------	3.517	3.652
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.125	3.625	4.000	3.625	------	------
APR	4.196	3.712	4.054	3.751	------	------
******************************* 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	3.750	3.250	3.125	3.375
>$424K	4.125	3.750	------	------	3.875	4.000
Jumbo	4.125	3.750	------	------	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	------	------
>$424K	4.250	------	------	------	4.250	4.250
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	3.875	3.125	3.625	3.000	3.000	3.125
APR	3.850	3.136	3.648	3.068	3.006	3.151
>$424K	3.875	3.625	------	------	3.500	3.625
APR	3.863	3.603	------	------	3.508	3.643
Jumbo	3.875	3.625	------	------	3.500	3.625
APR	3.858	3.594	------	------	3.503	3.638
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$424K	4.250	3.625	4.000	3.625	------	------
APR	4.246	3.654	4.009	3.667	------	------

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