【今日房貸利率】2018年1月5日星期五（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（1月5日星期五)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 $424K, 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 <=$424K 3.875 3.375 3.750 3.375 4.125 4.250 >$424K 4.125 3.625 3.990 ------ 4.000 4.125 Jumbo 4.125 4.000 4.500 ------ 3.875 4.000   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.500 3.875 3.500 4.125 4.250 >$424K 4.500 4.250 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.250 3.625 3.125 3.375 3.500 APR 3.806 3.276 3.674 3.242 3.419 3.545   >$424K 3.950 3.375 3.875 ------ 3.875 4.000 APR 3.980 3.458 3.903 ------ 3.903 4.028   Jumbo 4.000 3.750 4.375 ------ 3.500 3.625 APR 4.012 3.827 4.401 ------ 3.542 3.668   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.276 3.832 4.049 3.868 3.912 4.038   ******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, 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 <=$424K 3.875 3.375 3.750 3.375 4.000 4.125 >$424K 4.125 4.125 4.500 ------ 3.875 4.000   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.500 3.875 3.500 4.000 4.125 >$424K 4.375 4.125 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.250 3.625 3.125 3.375 3.500 APR 3.777 3.226 3.634 3.168 3.392 3.517   >$424K 4.000 3.750 4.375 ------ 3.500 3.625 APR 3.988 3.784 4.367 ------ 3.518 3.644   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.246 3.780 4.009 3.794 3.884 4.009   ******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, 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 <=$424K 4.000 3.375 3.750 3.375 4.250 4.250 >$424K 4.250 4.375 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 <=$424K 4.125 3.625 3.875 3.625 4.250 4.250 >$424K 4.500 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 <=$424K 3.750 3.250 3.625 3.125 3.375 3.500 APR 3.771 3.232 3.639 3.178 3.395 3.520   >$424K 4.000 3.750 4.375 ------ 3.500 3.625 APR 3.991 3.788 4.371 ------ 3.521 3.646   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.750 4.000 3.750 3.875 4.000 APR 4.157 3.787 4.015 3.804 3.888 4.013   ******************************* 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 <=$424K 4.000 3.500 3.875 3.500 ------ 5.000 >$424K 4.500 4.375 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 <=$424K 4.250 4.125 4.125 4.375 ------ 5.000 >$424K 4.875 4.375 4.625 ------ 4.250 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.125 3.625 3.125 3.375 3.500 APR 3.775 3.206 3.646 3.190 3.420 3.545   >$424K 4.250 4.000 4.375 ------ 3.875 4.000 APR 4.240 4.033 4.372 ------ 3.878 4.003   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.625 4.000 3.625 3.875 4.000 APR 4.161 3.726 4.021 3.771 3.933 4.059   ******************************* 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 <=$424K 4.125 3.625 4.000 3.625 ------ ------ >$424K 5.250 4.625 5.000 ------ 4.750 4.625   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.875 4.125 3.875 ------ ------ >$424K 5.250 4.625 5.000 ------ 4.750 4.625   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.125 3.625 3.125 3.375 3.500 APR 3.784 3.222 3.658 3.213 3.418 3.544   >$424K 4.250 4.000 4.375 ------ 3.875 4.000 APR 4.242 4.033 4.372 ------ 3.878 4.003   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.750 4.000 3.750 3.875 4.000 APR 4.170 3.811 4.034 3.839 3.934 4.060   ******************************* 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 <=$424K 4.000 3.625 3.875 3.625 ------ 5.000 >$424K 4.250 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 <=$424K 4.125 3.750 4.000 3.750 ------ 5.000 >$424K 5.000 4.375 4.750 ------ 4.250 4.250   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.125 3.625 3.125 3.375 3.500 APR 3.799 3.247 3.678 3.250 3.433 3.558   >$424K 4.000 3.750 4.375 ------ 3.500 3.625 APR 3.997 3.800 4.380 ------ 3.527 3.652   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.125 3.750 4.000 3.750 3.875 4.000 APR 4.185 3.837 4.054 3.876 3.949 4.074   ******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, 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 <=$424K 3.875 3.375 3.750 3.375 4.000 4.125 >$424K 4.125 4.125 4.500 ------ 3.875 4.000 Jumbo 4.125 4.000 4.500 ------ 3.875 4.000   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.000 3.500 3.875 3.500 4.000 4.125 >$424K 4.375 4.125 4.500 ------ 4.000 4.125   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 3.750 3.250 3.625 3.125 3.375 3.500 APR 3.777 3.225 3.653 3.167 3.391 3.516   >$424K 4.000 3.750 4.375 ------ 3.500 3.625 APR 3.988 3.783 4.367 ------ 3.518 3.643   Jumbo 4.000 3.750 4.375 ------ 3.500 3.625 APR 3.983 3.774 4.359 ------ 3.513 3.638   INVESTMENT PROPERTY - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$424K 4.250 3.750 4.000 3.750 3.875 4.000 APR 4.246 3.779 4.009 3.792 3.883 4.008

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