【今日房貸利率】2018年1月2日星期二（CA、FL、GA、MD、TX、VA、WA）

SUMMARY：今天（1月2日星期二)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 $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 3.375 3.750 3.375 4.125 4.250 >$424K 4.125 3.625 3.990 ------ 4.000 4.125 Jumbo 4.125 4.250 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 3.500 3.875 3.500 4.125 4.250 >$424K 4.500 4.375 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.250 3.625 3.125 3.375 3.500 APR 3.879 3.294 3.688 3.268 3.429 3.555   >$424K 3.950 3.500 3.875 ------ 3.875 4.000 APR 3.979 3.547 3.915 ------ 3.903 4.028   Jumbo 4.000 3.875 4.375 ------ 3.625 3.750 APR 4.023 3.916 4.401 ------ 3.658 3.773   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.286 3.850 4.064 3.895 3.912 4.038   ******************************* 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 3.375 3.750 3.375 4.000 4.125 >$424K 4.250 4.250 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.500 3.875 3.500 4.000 4.125 >$424K 4.375 4.250 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.250 3.625 3.125 3.375 3.500 APR 3.851 3.244 3.648 3.195 3.402 3.527   >$424K 4.000 3.875 4.375 ------ 3.625 3.750 APR 3.998 3.872 4.367 ------ 3.633 3.748   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.257 3.799 4.024 3.820 3.884 4.009   ******************************* 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 3.500 3.875 3.500 4.250 4.250 >$424K 4.250 4.500 4.625 ------ 4.125 4.250   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 4.250 4.250 >$424K 4.875 4.500 4.625 ------ 4.125 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.250 3.625 3.125 3.375 3.500 APR 3.844 3.250 3.654 3.204 3.405 3.530   >$424K 4.000 3.875 4.375 ------ 3.625 3.750 APR 4.001 3.877 4.371 ------ 3.636 3.751   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.250 3.806 4.029 3.830 3.888 4.013   ******************************* 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 3.500 3.875 3.500 ------ 5.000 >$424K 4.500 4.500 4.625 ------ 4.125 4.250   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 4.125 4.125 4.375 ------ 5.000 >$424K 4.875 4.500 4.625 ------ 4.250 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 3.125 3.375 3.500 APR 3.796 3.224 3.660 3.216 3.430 3.555   >$424K 4.250 4.125 4.375 ------ 3.875 4.000 APR 4.243 4.158 4.372 ------ 3.878 4.003   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.750 4.000 3.750 3.875 4.000 APR 4.172 3.814 4.036 3.843 3.933 4.059   ******************************* 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 3.750 4.000 3.750 ------ ------ >$424K 5.250 4.750 5.000 ------ 4.750 4.625   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.875 4.125 3.875 ------ ------ >$424K 5.250 4.750 5.000 ------ 4.750 4.625   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.250 3.625 3.125 3.375 3.500 APR 3.805 3.274 3.672 3.239 3.429 3.554   >$424K 4.250 4.125 4.375 ------ 3.875 4.000 APR 4.246 4.158 4.372 ------ 3.878 4.003   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.750 4.000 3.750 3.875 4.000 APR 4.181 3.830 4.048 3.865 3.934 4.060   ******************************* 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 4.125 3.625 3.875 3.625 ------ 5.000 >$424K 4.500 4.500 4.750 ------ 4.250 4.250   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 3.750 ------ 5.000 >$424K 5.000 4.500 4.750 ------ 4.250 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.250 3.625 3.125 3.375 3.500 APR 3.819 3.300 3.692 3.276 3.443 3.568   >$424K 4.000 3.875 4.375 ------ 3.625 3.750 APR 4.007 3.888 4.380 ------ 3.642 3.757   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.750 4.000 3.750 3.875 4.000 APR 4.196 3.856 4.068 3.903 3.949 4.074   ******************************* 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 3.375 3.750 3.375 4.000 4.125 >$424K 4.250 4.250 4.500 ------ 4.000 4.125 Jumbo 4.125 4.250 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 3.500 3.875 3.500 4.000 4.125 >$424K 4.375 4.250 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.875 3.250 3.625 3.125 3.375 3.500 APR 3.864 3.243 3.649 3.193 3.401 3.526   >$424K 4.000 3.875 4.375 ------ 3.625 3.750 APR 3.998 3.871 4.367 ------ 3.633 3.748   Jumbo 4.000 3.875 4.375 ------ 3.625 3.750 APR 3.993 3.862 4.359 ------ 3.628 3.743   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.269 3.798 4.023 3.819 3.883 4.008

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