【今日房貸利率】2018年1月12日星期五（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月12日星期五)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 4.000 3.500 3.875 3.500 4.125 4.375 >$453K 4.250 3.750 4.250 ------ 4.000 4.250 Jumbo 4.250 4.250 4.625 ------ 4.000 4.250   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.625 4.000 3.625 4.125 4.375 >$453K 4.700 4.375 4.625 ------ 4.000 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.950 3.375 3.750 3.375 3.625 3.750 APR 3.996 3.419 3.813 3.439 3.680 3.806   >$453K 4.125 3.625 4.125 ------ 3.875 4.125 APR 4.138 3.672 4.143 ------ 3.903 4.153   Jumbo 4.125 3.875 4.500 ------ 3.750 3.750 APR 4.138 3.953 4.527 ------ 3.793 3.783   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.125 4.000 3.875 4.125 APR 4.422 4.082 4.189 4.118 3.912 4.163   ******************************* 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 4.000 3.500 3.875 3.500 4.000 4.250 >$453K 4.250 4.250 4.625 ------ 4.000 4.250   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.625 4.000 3.625 4.000 4.250 >$453K 4.875 4.250 4.625 ------ 4.000 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.950 3.375 3.750 3.375 3.625 3.750 APR 3.965 3.369 3.774 3.366 3.652 3.777   >$453K 4.125 3.875 4.500 ------ 3.750 3.750 APR 4.113 3.909 4.492 ------ 3.769 3.759   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.125 4.000 3.875 4.125 APR 4.393 4.031 4.149 4.044 3.884 4.134   ******************************* 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 4.125 3.625 4.000 3.625 4.250 4.375 >$453K 4.500 4.500 4.750 ------ 4.125 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.750 4.000 3.750 4.250 4.375 >$453K 5.000 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 3.875 3.375 3.750 3.375 3.625 3.750 APR 3.906 3.375 3.779 3.376 3.656 3.781   >$453K 4.125 3.875 4.500 ------ 3.750 3.750 APR 4.115 3.913 4.496 ------ 3.771 3.761   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.125 4.000 3.875 4.125 APR 4.386 4.037 4.154 4.054 3.888 4.138   ******************************* 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 4.125 3.625 4.000 3.625 ------ 5.125 >$453K 5.000 4.500 4.750 ------ 4.125 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.375 4.250 ------ ------ 5.125 >$453K 5.000 4.500 4.750 ------ 4.250 4.375   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.875 3.250 3.750 3.250 3.625 3.750 APR 3.911 3.331 3.785 3.368 3.681 3.806   >$453K 4.750 4.125 4.500 ------ 3.875 4.125 APR 4.747 4.158 4.497 ------ 3.878 4.128   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.875 4.125 3.875 3.875 4.125 APR 4.308 3.958 4.161 3.994 3.933 4.184   ******************************* 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 4.250 3.875 4.125 3.875 ------ ------ >$453K 5.375 4.750 5.125 ------ 4.750 4.750   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.250 4.125 ------ ------ >$453K 5.375 4.750 5.125 ------ 4.750 4.750   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.875 3.250 3.750 3.250 3.625 3.750 APR 3.920 3.347 3.798 3.391 3.679 3.805   >$453K 4.750 4.125 4.500 ------ 3.875 4.125 APR 4.748 4.158 4.497 ------ 3.878 4.128   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 3.875 4.125 3.875 3.875 4.125 APR 4.400 3.974 4.173 4.018 3.934 4.185   ******************************* 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 4.250 3.750 4.000 3.750 ------ 5.125 >$453K 4.500 4.500 4.875 ------ 4.250 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.125 4.000 ------ 5.125 >$453K 5.125 4.500 4.875 ------ 4.250 4.375   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.875 3.250 3.750 3.250 3.625 3.750 APR 3.934 3.373 3.818 3.428 3.694 3.819   >$453K 4.125 3.875 4.500 ------ 3.750 3.750 APR 4.122 3.925 4.505 ------ 3.778 3.767   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 3.875 4.125 3.875 3.875 4.125 APR 4.415 4.000 4.194 4.055 3.949 4.200   ******************************* 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 4.000 3.500 3.875 3.500 4.000 4.250 >$453K 4.250 4.250 4.625 ------ 4.000 4.250 Jumbo 4.250 4.250 4.625 ------ 4.000 4.250   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.625 3.875 3.625 4.000 4.250 >$453K 4.875 4.250 4.625 ------ 4.000 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.950 3.375 3.750 3.375 3.625 3.750 APR 3.958 3.368 3.784 3.364 3.651 3.777   >$453K 4.125 3.875 4.500 ------ 3.750 3.750 APR 4.112 3.908 4.492 ------ 3.768 3.758   Jumbo 4.125 3.875 4.500 ------ 3.750 3.750 APR 4.107 3.899 4.484 ------ 3.763 3.753   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.125 4.000 3.875 4.125 APR 4.393 4.030 4.148 4.043 3.883 4.133

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