【今日房貸利率】2018年1月24日星期三（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月24日星期三)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	3.875	4.000
>$453K	4.300	3.875	4.300	------	4.125	4.250
Jumbo	4.375	4.250	4.625	------	4.125	4.125
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	4.250	4.375
>$453K	4.750	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	4.000	3.500	3.875	3.500	3.625	3.750
APR	4.046	3.544	3.910	3.564	3.680	3.795
>$453K	4.125	3.750	4.125	------	4.000	4.125
APR	4.175	3.816	4.194	------	4.028	4.153
Jumbo	4.125	4.000	4.500	------	3.875	3.875
APR	4.169	4.078	4.527	------	3.898	3.898
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.125	4.250	4.125	4.000	4.125
APR	4.537	4.170	4.315	4.190	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	4.125	3.625	4.000	3.625	3.875	4.000
>$453K	4.375	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	4.250	3.875	4.125	3.875	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	4.000	3.500	3.875	3.500	3.625	3.750
APR	4.017	3.494	3.870	3.491	3.652	3.767
>$453K	4.125	4.000	4.500	------	3.875	3.875
APR	4.144	4.034	4.492	------	3.873	3.873
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.125	4.250	4.125	4.000	4.125
APR	4.507	4.119	4.274	4.116	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	4.250	3.750	4.000	3.750	4.375	4.250
>$453K	4.625	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	3.875	4.125	3.875	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	4.000	3.500	3.875	3.500	3.625	3.750
APR	4.011	3.500	3.875	3.501	3.656	3.771
>$453K	4.125	4.000	4.500	------	3.875	3.875
APR	4.147	4.039	4.496	------	3.876	3.876
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.125	4.250	4.125	4.000	4.125
APR	4.500	4.125	4.279	4.126	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	4.250	3.875	4.125	3.875	------	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	4.625	4.375	4.375	------	------	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	4.000	3.375	3.875	3.375	3.625	3.750
APR	4.015	3.457	3.882	3.493	3.681	3.796
>$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	4.375	4.000	4.250	4.000	4.000	4.125
APR	4.423	4.083	4.286	4.120	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	4.375	4.000	4.250	4.000	------	------
>$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	4.500	4.125	4.375	4.125	------	------
>$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	4.000	3.375	3.875	3.375	3.625	3.750
APR	4.024	3.472	3.894	3.516	3.679	3.794
>$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	4.375	4.000	4.250	4.000	------	4.125
APR	4.432	4.099	4.299	4.143	------	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	4.375	3.875	4.125	3.875	------	5.125
>$453K	4.750	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	4.500	4.125	4.250	4.125	------	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	4.000	3.375	3.875	3.375	3.625	3.750
APR	4.039	3.498	3.914	3.553	3.694	3.809
>$453K	4.125	4.000	4.500	------	3.875	3.875
APR	4.153	4.050	4.505	------	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	4.125
APR	4.447	4.125	4.319	4.181	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	4.125	3.625	4.000	3.625	3.875	4.000
>$453K	4.375	4.250	4.625	------	4.125	4.250
Jumbo	4.375	4.250	4.625	------	4.125	4.125
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	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	4.000	3.500	3.875	3.500	3.625	3.750
APR	4.017	3.493	3.869	3.489	3.651	3.766
>$453K	4.125	4.000	4.500	------	3.875	3.875
APR	4.144	4.033	4.492	------	3.873	3.873
Jumbo	4.125	4.000	4.500	------	3.875	3.875
APR	4.139	4.024	4.484	------	3.868	3.868
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$453K	4.500	4.125	4.250	4.125	4.000	4.125
APR	4.526	4.118	4.273	4.114	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