【今日房貸利率】2018年1月23日星期二（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月23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	4.125	3.625	4.000	3.625	4.250	4.500
>$453K	4.250	3.875	4.250	------	4.125	4.375
Jumbo	4.250	4.375	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	4.500
>$453K	4.750	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	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.036	3.474	3.896	3.519	4.038	3.931
>$453K	4.125	3.750	4.125	------	4.000	4.250
APR	4.160	3.797	4.173	------	4.028	4.279
Jumbo	4.125	4.000	4.625	------	3.875	3.875
APR	4.158	4.059	4.652	------	3.898	3.898
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.250	4.000	4.000	4.250
APR	4.526	4.101	4.300	4.145	4.038	4.288
******************************* 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	4.125	3.625	4.000	3.625	4.125	4.375
>$453K	4.375	4.375	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	4.125	4.375
>$453K	5.000	4.375	4.750	------	4.125	4.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.007	3.423	3.856	3.445	4.009	3.902
>$453K	4.125	4.000	4.625	------	3.875	3.875
APR	4.134	4.015	4.617	------	3.873	3.873
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.250	4.000	4.000	4.250
APR	4.496	4.049	4.259	4.071	4.009	4.259
******************************* 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	3.750	4.000	3.750	4.375	4.500
>$453K	5.125	4.625	4.875	------	4.250	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	3.875	4.125	3.875	4.375	4.500
>$453K	5.125	4.625	4.875	------	4.250	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.000	3.430	3.861	3.455	4.013	3.906
>$453K	4.125	4.000	4.625	------	3.875	3.875
APR	4.136	4.020	4.621	------	3.876	3.876
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.250	4.000	4.000	4.250
APR	4.490	4.056	4.265	4.081	4.013	4.263
******************************* 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	4.250	3.750	4.000	3.750	------	5.250
>$453K	5.125	4.625	4.875	------	4.250	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.375	4.375	------	------	5.250
>$453K	5.125	4.625	4.875	------	4.375	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.005	3.438	3.868	3.467	4.059	3.932
>$453K	4.875	4.250	4.625	------	4.000	4.250
APR	4.872	4.283	4.622	------	4.003	4.253
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	4.000	4.250
APR	4.423	4.064	4.205	4.093	4.059	4.310
******************************* 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	4.375	4.000	4.125	4.000	------	------
>$453K	5.500	4.875	5.250	------	4.875	4.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.250	4.375	4.250	------	------
>$453K	5.500	4.875	5.250	------	4.875	4.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.014	3.454	3.880	3.490	4.060	3.930
>$453K	4.875	4.250	4.625	------	4.000	4.250
APR	4.873	4.283	4.622	------	4.003	4.253
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	4.000	4.250
APR	4.432	4.080	4.284	4.116	4.060	4.311
******************************* 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	3.875	4.125	3.875	------	5.250
>$453K	5.250	4.625	5.000	------	4.375	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.250	4.000	------	5.250
>$453K	5.250	4.625	5.000	------	4.375	4.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.028	3.480	3.900	3.527	4.074	3.945
>$453K	4.125	4.000	4.625	------	3.875	3.875
APR	4.143	4.031	4.630	------	3.882	3.882
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.375	4.000	4.250	4.000	4.000	4.250
APR	4.447	4.106	4.304	4.154	4.074	4.325
******************************* 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	4.125	3.625	3.950	3.625	4.125	4.375
>$453K	4.375	4.375	4.750	------	4.125	4.375
Jumbo	4.250	4.375	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	4.125	4.375
>$453K	5.000	4.375	4.750	------	4.125	4.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.000	3.375	3.875	3.375	4.000	3.875
APR	4.018	3.422	3.855	3.444	4.008	3.902
>$453K	4.125	4.000	4.625	------	3.875	3.875
APR	4.133	4.015	4.617	------	3.873	3.873
Jumbo	4.125	4.000	4.625	------	3.875	3.875
APR	4.128	4.006	4.609	------	3.868	3.868
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.000	4.250	4.000	4.000	4.250
APR	4.511	4.048	4.259	4.069	4.008	4.258

 

 

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