【今日房貸利率】2018年1月15日星期一（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月15日星期一)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 4.200 3.750 4.200 ------ 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 3.875 3.250 3.750 3.250 3.625 3.750 APR 3.921 3.349 3.785 3.393 3.680 3.806   >$453K 4.050 3.625 4.050 ------ 3.875 4.125 APR 4.092 3.654 4.108 ------ 3.903 4.153   Jumbo 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.033 3.934 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 3.875 4.125 3.875 3.875 4.125 APR 4.401 3.975 4.160 4.020 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 3.875 3.250 3.750 3.250 3.625 3.750 APR 3.892 3.298 3.745 3.320 3.652 3.777   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.009 3.890 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 3.875 4.125 3.875 3.875 4.125 APR 4.371 3.924 4.120 3.946 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 4.000 3.625 3.875 3.625 4.250 4.375 >$453K 4.375 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 4.125 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 3.250 3.750 3.250 3.625 3.750 APR 3.886 3.305 3.750 3.330 3.656 3.781   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.011 3.895 4.496 ------ 3.771 3.761   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.875 4.125 3.875 3.875 4.125 APR 4.282 3.931 4.125 3.955 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 4.250 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 3.890 3.313 3.757 3.342 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 4.000 3.875 3.875 4.125 APR 4.287 3.939 4.079 3.968 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 4.000 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 4.375 4.125 4.125 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 3.899 3.329 3.769 3.364 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 4.250 3.875 4.125 3.875 3.875 4.125 APR 4.296 3.955 4.144 3.991 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 4.125 3.750 4.000 3.750 ------ 5.125 >$453K 4.375 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 4.250 3.875 4.125 3.875 ------ 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 3.914 3.354 3.789 3.402 3.694 3.819   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.018 3.906 4.505 ------ 3.778 3.767   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.875 4.125 3.875 3.875 4.125 APR 4.311 3.981 4.165 4.028 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 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 3.875 3.250 3.750 3.250 3.625 3.750 APR 3.891 3.297 3.744 3.318 3.651 3.777   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.008 3.890 4.492 ------ 3.768 3.758   Jumbo 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.003 3.881 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 3.875 4.125 3.875 3.875 4.125 APR 4.393 3.923 4.119 3.944 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