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【今日房贷利率】2017年9月12日星期二（CA、FL、GA、MD、TX、VA、WA）

(2017-09-12 11:00:36) 下一个
奇虎贷款今日房贷利率（CA、FL、MD、TX、VA、GA、WA）
SUMMARY：今天（9月12日星期二）的房贷利率价格和昨天相比基本持平。目前重新贷款40万左右的利率，30年固定维持在3.75%， 15年固定为3%，5/1 ARM仍为3.125%。购房贷款40万左右，30年固定的利率仍为3.625%，15年固定仍为2.875%，5/1 ARM仍为2.875%。

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 $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 3.750 3.000 3.625 2.875 3.125 3.375
>$424K 3.990 3.250 3.990 ------ 3.625 3.750
Jumbo 3.875 3.625 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.125 3.875 3.875
>$424K 4.375 3.750 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.670 2.955 3.520 2.892 2.928 3.169
 
>$424K 3.800 3.125 3.800 ------ 3.250 3.375
APR 3.835 3.177 3.849 ------ 3.295 3.423
 
Jumbo 3.750 3.500 4.125 ------ 3.500 3.625
APR 3.783 3.522 4.151 ------ 3.523 3.648
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.057 3.474 3.924 3.492 3.537 3.662
 
******************************* 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 3.750 3.000 3.500 2.875 3.125 3.375
>$424K 4.000 3.625 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.125 3.625 3.750
>$424K 4.375 3.875 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.642 2.905 3.474 2.819 2.901 3.141
 
>$424K 3.750 3.500 4.125 ------ 3.500 3.625
APR 3.759 3.479 4.117 ------ 3.500 3.625
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.028 3.423 3.884 3.419 3.509 3.634
 
******************************* 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 3.750 3.125 3.625 3.000 3.250 3.500
>$424K 4.125 3.750 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.950 3.250 3.625 3.125 3.875 3.875
>$424K 4.500 4.125 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.635 2.911 3.480 2.829 2.904 3.145
 
>$424K 3.750 3.500 4.125 ------ 3.500 3.625
APR 3.761 3.483 4.121 ------ 3.502 3.627
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.021 3.430 3.890 3.428 3.512 3.637
 
******************************* 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 3.875 3.250 3.750 3.125 4.000 3.875
>$424K 4.375 4.125 4.375 ------ 3.750 3.875
 
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
>$424K 4.625 4.125 4.375 ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.640 2.919 3.493 2.841 2.928 3.169
 
>$424K 4.000 3.750 4.125 ------ 3.500 3.625
APR 4.015 3.782 4.122 ------ 3.503 3.628
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.750 3.250 3.500 3.625
APR 4.026 3.438 3.828 3.395 3.557 3.683
 
******************************* 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 4.000 3.375 3.750 3.250 ------ 4.250
>$424K 5.000 4.375 4.750 ------ 4.375 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.500 ------ ------
>$424K 5.000 4.375 4.750 ------ 4.375 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.649 2.935 3.505 2.863 2.927 3.168
 
>$424K 4.000 3.750 4.125 ------ 3.500 3.625
APR 4.014 3.783 4.122 ------ 3.503 3.628
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.035 3.454 3.909 3.463 3.558 3.683
 
******************************* 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 3.875 3.250 3.750 3.125 4.125 3.990
>$424K 4.125 3.750 4.500 ------ 3.875 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 ------ 4.375
>$424K 4.500 4.125 4.500 ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.663 2.960 3.525 2.900 2.941 3.182
 
>$424K 3.750 3.500 4.125 ------ 3.500 3.625
APR 3.767 3.494 4.130 ------ 3.509 3.634
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.049 3.480 3.929 3.500 3.572 3.698
 
******************************* 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 3.750 3.000 3.500 2.875 3.125 3.375
>$424K 4.000 3.625 4.250 ------ 3.625 3.750
Jumbo 3.875 3.625 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.125 3.625 3.750
>$424K 4.375 3.875 4.250 ------ 3.625 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.650 2.904 3.478 2.818 2.900 3.141
 
>$424K 3.750 3.500 4.125 ------ 3.500 3.625
APR 3.758 3.478 4.117 ------ 3.499 3.624
 
Jumbo 3.750 3.500 4.125 ------ 3.500 3.625
APR 3.753 3.469 4.109 ------ 3.494 3.619
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.027 3.422 3.883 3.417 3.508 3.633
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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