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【今日房贷利率】2017年9月18日星期一（CA、FL、GA、MD、TX、VA、WA）

(2017-09-18 18:14:44) 下一个

SUMMARY：今天（9月18日星期一）的房贷利率和上周五相比略微上涨。

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 3.125 3.625 3.000 3.250 3.500
>$424K 4.000 3.250 3.875 ------ 3.500 3.750
Jumbo 3.875 3.625 4.250 ------ 3.375 3.500
 
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 3.250 3.625 3.875
>$424K 4.375 3.875 4.250 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.000 3.500 2.875 3.000 3.250
APR 3.754 3.026 3.555 2.991 3.043 3.294
 
>$424K 3.800 3.125 3.800 ------ 3.375 3.500
APR 3.849 3.198 3.869 ------ 3.402 3.535
 
Jumbo 3.750 3.375 4.125 ------ 3.250 3.250
APR 3.781 3.431 4.151 ------ 3.269 3.288
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.375 3.625
APR 4.140 3.544 3.939 3.564 3.411 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 3.125 3.625 3.000 3.250 3.500
>$424K 4.000 3.750 4.250 ------ 3.500 3.625
 
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 3.250 3.500 3.750
>$424K 4.000 3.750 4.250 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.500 2.875 3.000 3.250
APR 3.726 3.030 3.499 2.918 3.016 3.266
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.769 3.494 4.117 ------ 3.266 3.381
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.375 3.625
APR 4.111 3.494 3.899 3.491 3.384 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 3.875 3.250 3.625 3.125 3.625 3.750
>$424K 4.125 3.875 4.375 ------ 3.625 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 3.750 3.250 3.750 3.875
>$424K 4.125 4.000 4.375 ------ 3.625 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.990 3.500 2.875 3.000 3.250
APR 3.656 3.037 3.504 2.928 3.020 3.270
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.771 3.499 4.121 ------ 3.269 3.383
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.375 3.625
APR 4.104 3.500 3.904 3.501 3.387 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 3.250 4.125 3.990
>$424K 4.125 3.875 4.375 ------ 3.625 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 ------ 4.375
>$424K 4.125 4.000 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 2.875 3.000 3.250
APR 3.660 2.955 3.535 2.940 3.044 3.295
 
>$424K 3.875 3.500 4.125 ------ 3.250 3.375
APR 3.861 3.496 4.122 ------ 3.267 3.381
 
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 3.375 3.625
APR 4.047 3.457 3.911 3.493 3.432 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 3.875 3.375 ------ 4.375
>$424K 4.250 4.125 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 3.500 4.000 3.500 ------ ------
>$424K 4.375 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 3.625 2.875 3.500 2.875 3.000 3.250
APR 3.669 2.971 3.539 2.962 3.043 3.293
 
>$424K 3.875 3.500 4.125 ------ 3.250 3.375
APR 3.863 3.500 4.122 ------ 3.269 3.384
 
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 3.375 3.625
APR 4.056 3.472 3.923 3.516 3.432 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 4.000 3.250 3.750 3.250 4.125 4.125
>$424K 4.125 3.875 4.500 ------ 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 3.500 3.875 3.500 ------ 4.500
>$424K 4.250 4.000 4.500 ------ 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 2.875 3.000 3.250
APR 3.683 2.996 3.559 2.999 3.056 3.307
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.778 3.510 4.130 ------ 3.275 3.389
 
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 3.375 3.625
APR 4.070 3.498 3.943 3.553 3.447 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 3.125 3.625 3.000 3.250 3.500
>$424K 4.000 3.750 4.250 ------ 3.500 3.625
Jumbo 3.875 3.625 4.250 ------ 3.375 3.500
 
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 3.250 3.500 3.750
>$424K 4.000 3.750 4.250 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 2.990 3.500 2.875 3.000 3.250
APR 3.735 3.029 3.504 2.917 3.016 3.266
 
>$424K 3.750 3.500 4.125 ------ 3.250 3.375
APR 3.768 3.494 4.117 ------ 3.266 3.380
 
Jumbo 3.750 3.375 4.125 ------ 3.250 3.250
APR 3.751 3.378 4.109 ------ 3.241 3.259
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 3.875 3.500 3.375 3.625
APR 4.110 3.493 3.903 3.489 3.383 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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