【今日房貸利率】2018年1月16日星期二（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月16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 $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 3.375 3.875 3.375 4.250 4.375 >$453K 4.200 3.625 4.200 ------ 4.125 4.250 Jumbo 4.250 4.250 4.625 ------ 4.000 4.000   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 4.250 4.375 >$453K 4.625 4.375 4.625 ------ 4.125 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 3.500 3.625 APR 3.910 3.330 3.785 3.367 3.555 3.680   >$453K 3.990 3.500 3.990 ------ 4.000 4.125 APR 4.039 3.583 4.058 ------ 4.028 4.153   Jumbo 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.033 3.934 4.527 ------ 3.783 3.773   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 4.000 4.125 APR 4.307 3.957 4.160 3.993 4.038 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 3.375 3.875 3.375 4.125 4.250 >$453K 4.250 4.250 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 <=$453K 4.125 3.625 3.875 3.625 4.125 4.250 >$453K 4.875 4.250 4.625 ------ 4.125 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 3.500 3.625 APR 3.882 3.280 3.745 3.293 3.527 3.652   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.009 3.890 4.492 ------ 3.759 3.748   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 4.000 4.125 APR 4.278 3.905 4.120 3.919 4.009 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 3.500 3.875 3.500 4.375 4.375 >$453K 4.375 4.500 4.750 ------ 4.250 4.375   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.750 4.000 3.750 4.375 4.375 >$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 3.500 3.625 APR 3.875 3.287 3.750 3.303 3.530 3.656   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.011 3.895 4.496 ------ 3.761 3.751   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 4.000 4.125 APR 4.271 3.912 4.125 3.929 4.013 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 3.875 3.625 ------ 5.125 >$453K 5.000 4.500 4.750 ------ 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 4.125 4.250 ------ ------ 5.125 >$453K 5.000 4.500 4.750 ------ 4.375 4.375   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 3.875 3.250 3.625 3.250 3.500 3.625 APR 3.880 3.295 3.703 3.315 3.555 3.681   >$453K 4.750 4.125 4.500 ------ 4.000 4.125 APR 4.747 4.158 4.497 ------ 4.003 4.128   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.750 4.000 3.750 4.000 4.125 APR 4.276 3.851 4.079 3.896 4.059 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 3.750 4.000 3.750 ------ ------ >$453K 5.375 4.750 5.125 ------ 4.875 4.750   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.125 4.000 ------ ------ >$453K 5.375 4.750 5.125 ------ 4.875 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 3.500 3.625 APR 3.889 3.311 3.769 3.338 3.554 3.679   >$453K 4.750 4.125 4.500 ------ 4.000 4.125 APR 4.748 4.158 4.497 ------ 4.003 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 4.000 4.125 APR 4.285 3.937 4.144 3.964 4.060 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 3.625 4.000 3.625 ------ 5.125 >$453K 4.375 4.500 4.875 ------ 4.375 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 ------ 4.375 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 3.500 3.625 APR 3.903 3.336 3.789 3.375 3.568 3.694   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.018 3.906 4.505 ------ 3.767 3.757   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 4.000 4.125 APR 4.300 3.963 4.165 4.001 4.074 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 3.375 3.875 3.375 4.125 4.250 >$453K 4.250 4.250 4.625 ------ 4.125 4.250 Jumbo 4.250 4.250 4.625 ------ 4.000 4.000   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 4.125 4.250 >$453K 4.875 4.250 4.625 ------ 4.125 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 3.500 3.625 APR 3.897 3.279 3.751 3.292 3.526 3.651   >$453K 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.008 3.890 4.492 ------ 3.758 3.748   Jumbo 4.000 3.875 4.500 ------ 3.750 3.750 APR 4.003 3.881 4.484 ------ 3.753 3.743   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 4.000 4.125 APR 4.277 3.904 4.119 3.918 4.008 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