【今日房贷利率】2018年1月23日星期二（CA、FL、GA、MD、TX、VA、WA)

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SUMMARY：今天（1月23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 $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
<=$453K 4.125 3.625 4.000 3.625 4.250 4.500
>$453K 4.250 3.875 4.250 ------ 4.125 4.375
Jumbo 4.250 4.375 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
<=$453K 4.250 3.750 4.000 3.750 4.250 4.500
>$453K 4.750 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
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.036 3.474 3.896 3.519 4.038 3.931
 
>$453K 4.125 3.750 4.125 ------ 4.000 4.250
APR 4.160 3.797 4.173 ------ 4.028 4.279
 
Jumbo 4.125 4.000 4.625 ------ 3.875 3.875
APR 4.158 4.059 4.652 ------ 3.898 3.898
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.250
APR 4.526 4.101 4.300 4.145 4.038 4.288
 
******************************* 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
<=$453K 4.125 3.625 4.000 3.625 4.125 4.375
>$453K 4.375 4.375 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
<=$453K 4.250 3.750 4.000 3.750 4.125 4.375
>$453K 5.000 4.375 4.750 ------ 4.125 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.007 3.423 3.856 3.445 4.009 3.902
 
>$453K 4.125 4.000 4.625 ------ 3.875 3.875
APR 4.134 4.015 4.617 ------ 3.873 3.873
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.250
APR 4.496 4.049 4.259 4.071 4.009 4.259
 
******************************* 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
<=$453K 4.125 3.750 4.000 3.750 4.375 4.500
>$453K 5.125 4.625 4.875 ------ 4.250 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 3.875 4.125 3.875 4.375 4.500
>$453K 5.125 4.625 4.875 ------ 4.250 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.000 3.430 3.861 3.455 4.013 3.906
 
>$453K 4.125 4.000 4.625 ------ 3.875 3.875
APR 4.136 4.020 4.621 ------ 3.876 3.876
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.250
APR 4.490 4.056 4.265 4.081 4.013 4.263
 
******************************* 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
<=$453K 4.250 3.750 4.000 3.750 ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.250 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.375 4.375 ------ ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.005 3.438 3.868 3.467 4.059 3.932
 
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
APR 4.872 4.283 4.622 ------ 4.003 4.253
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.000 4.125 4.000 4.000 4.250
APR 4.423 4.064 4.205 4.093 4.059 4.310
 
******************************* 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
<=$453K 4.375 4.000 4.125 4.000 ------ ------
>$453K 5.500 4.875 5.250 ------ 4.875 4.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.250 4.375 4.250 ------ ------
>$453K 5.500 4.875 5.250 ------ 4.875 4.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.014 3.454 3.880 3.490 4.060 3.930
 
>$453K 4.875 4.250 4.625 ------ 4.000 4.250
APR 4.873 4.283 4.622 ------ 4.003 4.253
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.000 4.250 4.000 4.000 4.250
APR 4.432 4.080 4.284 4.116 4.060 4.311
 
******************************* 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
<=$453K 4.250 3.875 4.125 3.875 ------ 5.250
>$453K 5.250 4.625 5.000 ------ 4.375 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 ------ 5.250
>$453K 5.250 4.625 5.000 ------ 4.375 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.028 3.480 3.900 3.527 4.074 3.945
 
>$453K 4.125 4.000 4.625 ------ 3.875 3.875
APR 4.143 4.031 4.630 ------ 3.882 3.882
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.375 4.000 4.250 4.000 4.000 4.250
APR 4.447 4.106 4.304 4.154 4.074 4.325
 
******************************* 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
<=$453K 4.125 3.625 3.950 3.625 4.125 4.375
>$453K 4.375 4.375 4.750 ------ 4.125 4.375
Jumbo 4.250 4.375 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
<=$453K 4.250 3.750 4.000 3.750 4.125 4.375
>$453K 5.000 4.375 4.750 ------ 4.125 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.000 3.375 3.875 3.375 4.000 3.875
APR 4.018 3.422 3.855 3.444 4.008 3.902
 
>$453K 4.125 4.000 4.625 ------ 3.875 3.875
APR 4.133 4.015 4.617 ------ 3.873 3.873
 
Jumbo 4.125 4.000 4.625 ------ 3.875 3.875
APR 4.128 4.006 4.609 ------ 3.868 3.868
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$453K 4.500 4.000 4.250 4.000 4.000 4.250
APR 4.511 4.048 4.259 4.069 4.008 4.258

 

 

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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