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【今日房贷利率】2018年1月12日星期五(CA、FL、GA、MD、TX、VA、WA)

(2018-01-12 10:11:50) 下一个

SUMMARY:今天(1月12日星期五)开盘时的房贷利率价格和上个工作日相比基本持平。

 

注:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带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 4.000 3.500 3.875 3.500 4.125 4.375
>$453K 4.250 3.750 4.250 ------ 4.000 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - CASH-OUT 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 4.700 4.375 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.950 3.375 3.750 3.375 3.625 3.750
APR 3.996 3.419 3.813 3.439 3.680 3.806
 
>$453K 4.125 3.625 4.125 ------ 3.875 4.125
APR 4.138 3.672 4.143 ------ 3.903 4.153
 
Jumbo 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.138 3.953 4.527 ------ 3.793 3.783
 
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 3.875 4.125
APR 4.422 4.082 4.189 4.118 3.912 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 4.000 3.500 3.875 3.500 4.000 4.250
>$453K 4.250 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 4.000 3.625 4.000 4.250
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.950 3.375 3.750 3.375 3.625 3.750
APR 3.965 3.369 3.774 3.366 3.652 3.777
 
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.113 3.909 4.492 ------ 3.769 3.759
 
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 3.875 4.125
APR 4.393 4.031 4.149 4.044 3.884 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 4.125 3.625 4.000 3.625 4.250 4.375
>$453K 4.500 4.500 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 4.375
>$453K 5.000 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 3.875 3.375 3.750 3.375 3.625 3.750
APR 3.906 3.375 3.779 3.376 3.656 3.781
 
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.115 3.913 4.496 ------ 3.771 3.761
 
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 3.875 4.125
APR 4.386 4.037 4.154 4.054 3.888 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 4.125 3.625 4.000 3.625 ------ 5.125
>$453K 5.000 4.500 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 4.375 4.375 4.250 ------ ------ 5.125
>$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 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.911 3.331 3.785 3.368 3.681 3.806
 
>$453K 4.750 4.125 4.500 ------ 3.875 4.125
APR 4.747 4.158 4.497 ------ 3.878 4.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.250 3.875 4.125 3.875 3.875 4.125
APR 4.308 3.958 4.161 3.994 3.933 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 4.250 3.875 4.125 3.875 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.750 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 4.250 4.125 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.750 4.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.920 3.347 3.798 3.391 3.679 3.805
 
>$453K 4.750 4.125 4.500 ------ 3.875 4.125
APR 4.748 4.158 4.497 ------ 3.878 4.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 3.875 4.125
APR 4.400 3.974 4.173 4.018 3.934 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 4.250 3.750 4.000 3.750 ------ 5.125
>$453K 4.500 4.500 4.875 ------ 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 4.000 4.125 4.000 ------ 5.125
>$453K 5.125 4.500 4.875 ------ 4.250 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.875 3.250 3.750 3.250 3.625 3.750
APR 3.934 3.373 3.818 3.428 3.694 3.819
 
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.122 3.925 4.505 ------ 3.778 3.767
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 3.875 4.125
APR 4.415 4.000 4.194 4.055 3.949 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 4.000 3.500 3.875 3.500 4.000 4.250
>$453K 4.250 4.250 4.625 ------ 4.000 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.125 3.625 3.875 3.625 4.000 4.250
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 3.950 3.375 3.750 3.375 3.625 3.750
APR 3.958 3.368 3.784 3.364 3.651 3.777
 
>$453K 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.112 3.908 4.492 ------ 3.768 3.758
 
Jumbo 4.125 3.875 4.500 ------ 3.750 3.750
APR 4.107 3.899 4.484 ------ 3.763 3.753
 
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 3.875 4.125
APR 4.393 4.030 4.148 4.043 3.883 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:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款,需要收point才能做。

奇虎贷款NMLS ID: 1169300
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