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【今日房贷利率】2017年12月20日星期三（CA、FL、GA、MD、TX、VA、WA）

(2017-12-20 09:50:59) 下一个

SUMMARY：今天（12月20日星期三)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 4.000 3.375 3.875 3.375 4.125 4.250
>$424K 4.200 3.750 4.125 ------ 4.000 4.125
Jumbo 4.250 4.000 4.500 ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 4.125 4.250
>$424K 4.700 4.250 4.500 ------ 4.000 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 3.250 3.625
APR 3.900 3.330 3.770 3.367 3.304 3.680
 
>$424K 3.990 3.500 3.990 ------ 3.875 4.000
APR 4.029 3.583 4.013 ------ 3.903 4.028
 
Jumbo 4.000 3.875 4.375 ------ 3.625 3.750
APR 4.033 3.916 4.401 ------ 3.658 3.783
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.125 3.875 3.875 4.000
APR 4.307 3.957 4.146 3.993 3.912 4.038
 
******************************* 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 3.950 3.375 3.875 3.375 4.000 4.125
>$424K 4.250 4.125 4.500 ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 4.000 4.125
>$424K 4.500 4.125 4.500 ------ 4.000 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 3.250 3.625
APR 3.871 3.280 3.731 3.293 3.276 3.652
 
>$424K 4.000 3.875 4.375 ------ 3.625 3.750
APR 4.009 3.872 4.367 ------ 3.633 3.759
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.125 3.875 3.875 4.000
APR 4.278 3.905 4.106 3.919 3.884 4.009
 
******************************* 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 3.500 3.875 3.500 4.250 4.250
>$424K 4.375 4.375 4.625 ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 4.250 4.250
>$424K 4.875 4.375 4.625 ------ 4.125 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.750 3.250 3.250 3.625
APR 3.865 3.287 3.736 3.303 3.280 3.656
 
>$424K 4.000 3.875 4.375 ------ 3.625 3.750
APR 4.011 3.877 4.371 ------ 3.636 3.761
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.125 3.875 3.875 4.000
APR 4.271 3.912 4.111 3.929 3.888 4.013
 
******************************* 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 4.125 3.625 3.875 3.625 ------ 5.000
>$424K 4.500 4.375 4.625 ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 4.125 4.125 ------ ------ 5.000
>$424K 4.875 4.375 4.625 ------ 4.250 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 3.250 3.625
APR 3.870 3.295 3.703 3.315 3.305 3.681
 
>$424K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.255 4.033 4.372 ------ 3.878 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.875 4.000
APR 4.276 3.921 4.065 3.941 3.933 4.059
 
******************************* 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 4.250 3.875 4.000 3.875 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.750 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.375 4.000 4.125 4.000 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.750 4.625
 
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 3.250 3.625
APR 3.878 3.311 3.755 3.338 3.303 3.679
 
>$424K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.257 4.033 4.372 ------ 3.878 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.875 4.000
APR 4.285 3.937 4.077 3.964 3.934 4.060
 
******************************* 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 4.125 3.750 4.000 3.750 ------ 5.000
>$424K 4.500 4.375 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 4.250 3.875 4.125 3.875 ------ 5.000
>$424K 5.000 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 3.875 3.250 3.750 3.250 3.250 3.625
APR 3.893 3.336 3.775 3.375 3.317 3.694
 
>$424K 4.000 3.875 4.375 ------ 3.625 3.750
APR 4.018 3.888 4.380 ------ 3.642 3.767
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.875 4.000
APR 4.300 3.963 4.097 4.001 3.949 4.074
 
******************************* 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 3.950 3.375 3.875 3.375 4.000 4.125
>$424K 4.250 4.125 4.500 ------ 4.000 4.125
Jumbo 4.250 4.000 4.500 ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 4.000 4.125
>$424K 4.500 4.125 4.500 ------ 4.000 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 3.250 3.625
APR 3.876 3.279 3.742 3.292 3.276 3.651
 
>$424K 4.000 3.875 4.375 ------ 3.625 3.750
APR 4.008 3.871 4.367 ------ 3.633 3.758
 
Jumbo 4.000 3.875 4.375 ------ 3.625 3.750
APR 4.003 3.862 4.359 ------ 3.628 3.753
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.125 3.875 3.875 4.000
APR 4.277 3.904 4.105 3.918 3.883 4.008

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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