【今日房贷利率】2017年10月31日星期二（CA、FL、GA、MD、TX、VA、WA）

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SUMMARY：今天（10月31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
3.875 3.250 3.750 3.125 3.125 3.375
>$424K 4.125 3.375 3.750 3.375 3.750 3.750
Jumbo 4.000 3.750 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.375 3.875 3.375 3.875 4.000
>$424K 4.125 3.990 4.250 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.000 3.125
APR 3.793 3.169 3.660 3.116 3.034 3.179
 
>$424K 3.950 3.250 3.750 3.250 3.375 3.500
APR 3.980 3.299 3.767 3.278 3.421 3.541
 
Jumbo 3.875 3.500 4.250 ------ 3.375 3.500
APR 3.887 3.573 4.276 ------ 3.406 3.517
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 3.625 3.875
APR 4.182 3.688 4.035 3.716 3.662 3.912
 
******************************* 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
3.875 3.250 3.750 3.125 3.125 3.375
>$424K 4.000 3.750 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.375 3.875 3.375 3.750 3.875
>$424K 4.125 4.000 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.000 3.125
APR 3.762 3.119 3.620 3.043 3.006 3.151
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.500
APR 3.863 3.604 4.242 ------ 3.389 3.493
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 3.625 3.875
APR 4.153 3.637 3.995 3.642 3.634 3.884
 
******************************* 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
3.875 3.250 3.750 3.250 3.375 3.625
>$424K 4.125 3.875 4.500 ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.500 3.875 3.500 4.000 4.125
>$424K 4.250 4.250 4.500 ------ 3.875 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.000 3.125
APR 3.760 3.125 3.625 3.053 3.010 3.155
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.500
APR 3.866 3.608 4.246 ------ 3.391 3.496
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 3.625 3.875
APR 4.146 3.644 4.000 3.652 3.637 3.888
 
******************************* 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
4.000 3.375 3.875 3.375 3.750 4.000
>$424K 4.125 4.125 4.500 ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.625 ------ 4.875
>$424K 4.250 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
3.750 3.000 3.625 3.000 3.000 3.125
APR 3.765 3.081 3.632 3.065 3.034 3.179
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.500
APR 3.883 3.638 4.247 ------ 3.387 3.492
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.500 3.875 3.500 3.625 3.875
APR 4.151 3.582 3.954 3.619 3.683 3.933
 
******************************* 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
4.125 3.500 3.875 3.500 ------ ------
>$424K 4.375 4.500 4.875 ------ 4.500 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.750 ------ ------
>$424K 4.375 4.500 4.875 ------ 4.500 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.000 3.625 3.000 3.000 3.125
APR 3.774 3.096 3.644 3.088 3.033 3.178
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.500
APR 3.888 3.642 4.247 ------ 3.392 3.496
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.500 4.000 3.500 3.625 3.875
APR 4.160 3.598 4.019 3.642 3.683 3.934
 
******************************* 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
4.000 3.375 3.875 3.375 4.000 4.125
>$424K 4.250 3.875 4.625 ------ 4.000 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 4.375 4.500
>$424K 4.250 4.250 4.625 ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.000 3.625 3.000 3.000 3.125
APR 3.788 3.122 3.664 3.124 3.047 3.192
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.500
APR 3.872 3.619 4.255 ------ 3.398 3.502
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.500 4.000 3.500 3.625 3.875
APR 4.175 3.623 4.039 3.679 3.698 3.949
 
******************************* 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
3.875 3.250 3.750 3.125 3.125 3.375
>$424K 4.000 3.750 4.375 ------ 3.625 3.625
Jumbo 4.000 3.750 4.375 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.950 3.375 3.750 3.250 3.750 3.875
>$424K 4.125 3.875 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.000 3.000 3.125
APR 3.756 3.118 3.627 3.042 3.006 3.151
 
>$424K 3.875 3.625 4.250 ------ 3.375 3.500
APR 3.863 3.603 4.242 ------ 3.388 3.493
 
Jumbo 3.875 3.500 4.250 ------ 3.375 3.375
APR 3.858 3.521 4.234 ------ 3.363 3.377
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.625 4.000 3.625 3.625 3.875
APR 4.152 3.636 3.994 3.641 3.633 3.883

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):
- - - - - - 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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