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【今日房贷利率】2017年10月17日星期二（CA、FL、GA、MD、TX、VA、WA）

(2017-10-17 09:28:52) 下一个

SUMMARY：今天（10月17日星期二)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 $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 3.990 3.375 3.750 3.250 3.875 3.875
>$424K 4.125 ------ 3.875 ------ ------ 4.375
Jumbo 4.000 3.625 ------ ------ 3.625 3.625
 
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 3.375 ------ 4.125
>$424K 4.500 ------ 4.250 ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.250 3.625 3.625
APR 3.901 3.273 3.693 3.139 3.663 3.664
 
>$424K 3.990 ------ 3.875 ------ ------ 4.250
APR 4.033 ------ 3.881 ------ ------ 4.281
 
Jumbo 3.875 3.500 ------ ------ 3.375 3.375
APR 3.876 3.545 ------ ------ 3.402 3.417
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.990 4.250 3.750 ------ ------
APR 4.387 4.050 4.276 3.895 ------ ------
 
******************************* 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 3.990 3.375 3.750 3.250 3.875 3.875
>$424K 4.000 3.750 ------ ------ 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 3.250 ------ 4.125
>$424K 4.125 3.875 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.250 3.625 3.625
APR 3.873 3.223 3.653 3.066 3.635 3.636
 
>$424K 3.875 3.625 ------ ------ 3.500 3.500
APR 3.873 3.609 ------ ------ 3.502 3.512
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.990 4.250 3.750 ------ ------
APR 4.358 3.999 4.235 3.821 ------ ------
 
******************************* 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 3.875 3.250 4.000 3.875
>$424K 4.125 4.000 ------ ------ ------ 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 4.000 3.375 ------ 4.125
>$424K 4.250 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.250 3.500 3.625
APR 3.866 3.212 3.644 3.050 3.526 3.629
 
>$424K 3.875 3.625 ------ ------ 3.500 3.500
APR 3.875 3.614 ------ ------ 3.505 3.515
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.125 3.750 ------ ------
APR 4.277 3.805 4.158 3.804 ------ ------
 
******************************* 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 4.250 3.625 4.000 3.500 ------ 4.250
>$424K 4.125 4.000 ------ ------ ------ 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.125 3.625 ------ ------
>$424K 4.250 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  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 3.625
APR 3.906 3.281 3.760 3.150 3.667 3.668
 
>$424K 3.875 3.625 ------ ------ 3.500 3.500
APR 3.873 3.610 ------ ------ 3.503 3.513
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.990 4.250 3.875 ------ ------
APR 4.392 4.058 4.282 4.008 ------ ------
 
******************************* 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 4.375 3.990 4.250 3.750 ------ ------
>$424K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.500 4.125 4.375 4.000 ------ ------
>$424K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  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 3.625
APR 3.912 3.292 3.769 3.166 3.674 3.675
 
>$424K 3.875 3.625 ------ ------ 3.500 3.500
APR 3.876 3.615 ------ ------ 3.505 3.515
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.990 4.250 3.875 ------ ------
APR 4.398 4.070 4.291 4.024 ------ ------
 
******************************* 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 4.250 3.750 4.125 3.500 ------ 4.250
>$424K 4.125 4.000 ------ ------ ------ 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.990 4.250 4.000 ------ ------
>$424K 4.250 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  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 3.625
APR 3.927 3.318 3.789 3.202 3.688 3.689
 
>$424K 3.875 3.625 ------ ------ 3.500 3.500
APR 3.882 3.625 ------ ------ 3.511 3.521
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 3.990 4.250 3.875 ------ ------
APR 4.413 4.096 4.311 4.062 ------ ------
 
******************************* 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 3.990 3.250 3.750 3.250 3.750 3.750
>$424K 4.000 3.750 ------ ------ 3.750 3.875
Jumbo 4.000 3.625 ------ ------ 3.625 3.625
 
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 3.250 ------ 4.000
>$424K 4.125 3.875 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.250 3.500 3.625
APR 3.862 3.204 3.638 3.039 3.522 3.625
 
>$424K 3.875 3.625 ------ ------ 3.500 3.500
APR 3.872 3.609 ------ ------ 3.502 3.512
 
Jumbo 3.875 3.500 ------ ------ 3.375 3.375
APR 3.847 3.492 ------ ------ 3.373 3.388
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.750 4.125 3.750 ------ ------
APR 4.272 3.797 4.151 3.793 ------ ------

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。

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