【今日房贷利率】2018年1月15日星期一（CA、FL、GA、MD、TX、VA、WA)

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SUMMARY：今天（1月15日星期一)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 $453K, 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
4.000 3.500 3.875 3.500 4.125 4.375
>$453K 4.200 3.750 4.200 ------ 4.000 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.250
 
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 4.125 4.375
>$453K 4.700 4.375 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.921 3.349 3.785 3.393 3.680 3.806
 
>$453K 4.050 3.625 4.050 ------ 3.875 4.125
APR 4.092 3.654 4.108 ------ 3.903 4.153
 
Jumbo 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.033 3.934 4.527 ------ 3.793 3.783
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.875 4.125 3.875 3.875 4.125
APR 4.401 3.975 4.160 4.020 3.912 4.163
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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
4.000 3.500 3.875 3.500 4.000 4.250
>$453K 4.250 4.250 4.625 ------ 4.000 4.250
 
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 4.000 4.250
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.892 3.298 3.745 3.320 3.652 3.777
 
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.009 3.890 4.492 ------ 3.769 3.759
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.875 4.125 3.875 3.875 4.125
APR 4.371 3.924 4.120 3.946 3.884 4.134
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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
4.000 3.625 3.875 3.625 4.250 4.375
>$453K 4.375 4.500 4.750 ------ 4.125 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.750 4.000 3.750 4.250 4.375
>$453K 5.000 4.500 4.750 ------ 4.125 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.886 3.305 3.750 3.330 3.656 3.781
 
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.011 3.895 4.496 ------ 3.771 3.761
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.875 4.125 3.875 3.875 4.125
APR 4.282 3.931 4.125 3.955 3.888 4.138
 
******************************* 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
4.125 3.625 4.000 3.625 ------ 5.125
>$453K 5.000 4.500 4.750 ------ 4.125 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 4.250 4.250 ------ ------ 5.125
>$453K 5.000 4.500 4.750 ------ 4.250 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.890 3.313 3.757 3.342 3.681 3.806
 
>$453K 4.750 4.125 4.500 ------ 3.875 4.125
APR 4.747 4.158 4.497 ------ 3.878 4.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.875 4.000 3.875 3.875 4.125
APR 4.287 3.939 4.079 3.968 3.933 4.184
 
******************************* 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
4.250 3.875 4.000 3.875 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.750 4.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 4.125 4.125 4.125 ------ ------
>$453K 5.375 4.750 5.125 ------ 4.750 4.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.899 3.329 3.769 3.364 3.679 3.805
 
>$453K 4.750 4.125 4.500 ------ 3.875 4.125
APR 4.748 4.158 4.497 ------ 3.878 4.128
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.875 4.125 3.875 3.875 4.125
APR 4.296 3.955 4.144 3.991 3.934 4.185
 
******************************* 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
4.125 3.750 4.000 3.750 ------ 5.125
>$453K 4.375 4.500 4.875 ------ 4.250 4.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.875 4.125 3.875 ------ 5.125
>$453K 5.125 4.500 4.875 ------ 4.250 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.914 3.354 3.789 3.402 3.694 3.819
 
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.018 3.906 4.505 ------ 3.778 3.767
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.875 4.125 3.875 3.875 4.125
APR 4.311 3.981 4.165 4.028 3.949 4.200
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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
4.000 3.500 3.875 3.500 4.000 4.250
>$453K 4.250 4.250 4.625 ------ 4.000 4.250
Jumbo 4.250 4.250 4.625 ------ 4.000 4.250
 
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 4.000 4.250
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.250 3.750 3.250 3.625 3.750
APR 3.891 3.297 3.744 3.318 3.651 3.777
 
>$453K 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.008 3.890 4.492 ------ 3.768 3.758
 
Jumbo 4.000 3.875 4.500 ------ 3.750 3.750
APR 4.003 3.881 4.484 ------ 3.763 3.753
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.875 4.125 3.875 3.875 4.125
APR 4.393 3.923 4.119 3.944 3.883 4.133
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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