【今日房貸利率】2018年1月31日星期三（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月31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 4.250 3.750 4.000 3.750 4.000 4.125 >$453K 4.375 4.000 4.375 ------ 4.250 4.375 Jumbo 4.375 4.375 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 <=$453K 4.375 3.875 4.125 3.875 4.375 4.500 >$453K 4.800 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 4.125 3.500 3.875 3.500 3.625 3.750 APR 4.152 3.599 3.953 3.644 3.680 3.806   >$453K 4.200 3.875 4.200 ------ 4.125 4.250 APR 4.240 3.922 4.255 ------ 4.153 4.279   Jumbo 4.250 4.125 4.625 ------ 3.875 3.875 APR 4.263 4.184 4.652 ------ 3.908 3.908   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.625 4.125 4.375 4.125 4.125 4.250 APR 4.640 4.207 4.411 4.244 4.163 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 4.250 3.750 4.000 3.750 4.000 4.125 >$453K 4.500 4.375 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 <=$453K 4.375 3.875 4.125 3.875 4.250 4.375 >$453K 5.000 4.375 4.750 ------ 4.250 4.375   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.500 3.875 3.500 3.625 3.750 APR 4.121 3.548 3.913 3.570 3.652 3.777   >$453K 4.250 4.125 4.625 ------ 3.875 3.875 APR 4.238 4.140 4.617 ------ 3.884 3.884   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.625 4.125 4.375 4.125 4.125 ------ APR 4.611 4.156 4.370 4.169 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 3.875 4.125 3.875 4.500 4.250 >$453K 4.750 4.625 4.875 ------ 4.375 4.500   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.375 4.000 4.250 4.000 4.500 4.500 >$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 4.125 3.500 3.875 3.500 3.625 3.750 APR 4.119 3.555 3.914 3.580 3.656 3.781   >$453K 4.250 4.125 4.625 ------ 3.875 3.875 APR 4.240 4.145 4.621 ------ 3.886 3.886   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.375 4.125 4.125 4.250 APR 4.530 4.162 4.375 4.179 4.138 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 4.375 3.875 4.125 3.875 ------ 5.250 >$453K 5.125 4.625 4.875 ------ 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 4.375 4.375 ------ ------ 5.250 >$453K 5.125 4.625 4.875 ------ 4.500 4.500   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 4.057 3.564 3.925 3.592 3.681 3.806   >$453K 4.875 4.250 4.625 ------ 4.125 4.250 APR 4.872 4.283 4.622 ------ 4.128 4.253   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 4.125 4.250 APR 4.537 4.171 4.330 4.191 4.184 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 4.500 4.125 4.250 4.125 ------ ------ >$453K 5.500 4.875 5.250 ------ 5.000 4.875   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.625 4.250 4.375 4.250 ------ ------ >$453K 5.500 4.875 5.250 ------ 5.000 4.875   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.500 3.875 3.500 3.625 3.750 APR 4.139 3.579 3.937 3.615 3.679 3.805   >$453K 4.875 4.250 4.625 ------ 4.125 4.250 APR 4.873 4.283 4.622 ------ 4.128 4.253   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.375 4.125 4.125 4.250 APR 4.546 4.187 4.395 4.214 4.185 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 4.375 4.000 4.250 4.000 ------ 5.250 >$453K 4.750 4.625 5.000 ------ 4.500 4.500   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.375 4.125 ------ 5.250 >$453K 5.250 4.625 5.000 ------ 4.500 4.500   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.500 3.875 3.500 3.625 3.750 APR 4.174 3.605 3.958 3.652 3.694 3.819   >$453K 4.250 4.125 4.625 ------ 3.875 3.875 APR 4.247 4.156 4.630 ------ 3.892 3.892   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.375 4.125 4.125 4.250 APR 4.562 4.213 4.415 4.252 4.200 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 4.250 3.750 4.000 3.750 4.000 4.125 >$453K 4.500 4.375 4.750 ------ 4.250 4.250 Jumbo 4.375 4.375 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 <=$453K 4.375 3.875 4.125 3.875 4.250 4.375 >$453K 5.000 4.375 4.750 ------ 4.250 4.375   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.500 3.875 3.500 3.625 3.750 APR 4.114 3.547 3.908 3.569 3.651 3.777   >$453K 4.250 4.125 4.625 ------ 3.875 3.875 APR 4.237 4.140 4.617 ------ 3.883 3.883   Jumbo 4.250 4.125 4.625 ------ 3.875 3.875 APR 4.232 4.131 4.609 ------ 3.878 3.878   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.125 4.375 4.125 4.125 4.250 APR 4.525 4.155 4.390 4.168 4.133 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