【今日房貸利率】2018年2月5日星期一（CA、FL、GA、MD、TX、VA、WA)

SUMMARY：今天（2月5日星期一)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 4.375 3.750 4.125 3.750 4.000 4.125 >$453K 4.500 4.000 4.875 ------ 4.250 4.500 Jumbo 4.500 4.500 4.875 ------ 4.250 4.250   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 4.375 4.625 >$453K 5.000 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 4.250 3.625 4.000 3.625 3.750 3.875 APR 4.265 3.688 4.078 3.716 3.795 3.921   >$453K 4.500 3.875 4.750 ------ 4.125 4.375 APR 4.506 3.941 4.783 ------ 4.153 4.404   Jumbo 4.250 4.250 4.750 ------ 3.875 4.000 APR 4.294 4.291 4.777 ------ 3.918 4.023   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 4.375 APR 4.673 4.226 4.455 4.271 4.163 4.414   ******************************* 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 4.375 3.750 4.125 3.750 4.000 4.125 >$453K 4.500 4.500 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 4.000 4.250 4.000 4.250 4.500 >$453K 5.000 4.500 4.875 ------ 4.250 4.500   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.625 4.000 3.625 3.750 3.875 APR 4.236 3.637 4.038 3.642 3.767 3.892   >$453K 4.250 4.250 4.750 ------ 3.875 4.000 APR 4.269 4.247 4.742 ------ 3.894 3.998   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 4.375 APR 4.643 4.174 4.414 4.196 4.134 4.384   ******************************* 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 4.375 3.875 4.250 3.875 4.500 4.625 >$453K 4.750 4.750 5.000 ------ 4.375 4.625   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.375 4.000 4.500 4.625 >$453K 5.125 4.750 5.000 ------ 4.375 4.625   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.625 4.000 3.625 3.750 3.875 APR 4.229 3.644 4.044 3.652 3.771 3.896   >$453K 4.250 4.250 4.750 ------ 3.875 4.000 APR 4.272 4.252 4.746 ------ 3.896 4.001   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 4.375 APR 4.636 4.181 4.419 4.206 4.138 4.388   ******************************* 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 4.000 4.250 4.000 5.125 5.375 >$453K 5.125 4.750 5.000 ------ 4.375 4.625   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.750 5.125 4.500 ------ ------ 5.375 >$453K 5.125 4.750 5.000 ------ 4.500 4.625   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.500 4.000 3.500 3.750 3.875 APR 4.172 3.600 4.050 3.645 3.796 3.921   >$453K 4.875 4.375 4.750 ------ 4.125 4.375 APR 4.872 4.408 4.747 ------ 4.128 4.378   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 4.375 APR 4.559 4.190 4.426 4.218 4.184 4.435   ******************************* 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 4.375 4.125 ------ ------ >$453K 5.500 5.000 5.375 ------ 5.000 5.000   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.750 4.250 4.500 4.250 ------ ------ >$453K 5.500 5.000 5.375 ------ 5.000 5.000   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.625 4.000 3.625 3.750 3.875 APR 4.181 3.668 4.063 3.687 3.794 3.920   >$453K 4.875 4.375 4.750 ------ 4.125 4.375 APR 4.873 4.409 4.747 ------ 4.128 4.378   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 4.375 APR 4.650 4.206 4.439 4.241 4.185 4.436   ******************************* 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 4.500 4.000 4.250 4.000 ------ 5.375 >$453K 4.875 4.750 5.125 ------ 4.500 4.625   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.625 4.125 4.375 4.125 ------ 5.375 >$453K 5.250 4.750 5.125 ------ 4.500 4.625   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.125 3.625 4.000 3.625 3.750 3.875 APR 4.196 3.694 4.083 3.724 3.809 3.934   >$453K 4.250 4.250 4.750 ------ 3.875 4.000 APR 4.278 4.263 4.755 ------ 3.903 4.007   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 4.375 APR 4.665 4.232 4.459 4.279 4.200 4.451   ******************************* 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 4.375 3.750 4.125 3.750 4.000 4.125 >$453K 4.500 4.500 4.875 ------ 4.250 4.500 Jumbo 4.500 4.500 4.875 ------ 4.250 4.250   PRIMARY RESIDENCE - CASH-OUT REFINANCE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.500 4.000 4.250 4.000 4.250 4.500 >$453K 5.000 4.500 4.875 ------ 4.250 ------   PRIMARY RESIDENCE - PURCHASE:   30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$453K 4.250 3.625 4.000 3.625 3.750 3.875 APR 4.240 3.636 4.037 3.641 3.766 3.891   >$453K 4.250 4.250 4.750 ------ 3.875 4.000 APR 4.269 4.246 4.742 ------ 3.893 3.998   Jumbo 4.250 4.250 4.750 ------ 3.875 4.000 APR 4.264 4.237 4.734 ------ 3.889 3.993   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 4.375 APR 4.654 4.173 4.413 4.195 4.133 4.384

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