【今日房贷利率】2018年1月31日星期三（CA、FL、GA、MD、TX、VA、WA)

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SUMMARY：今天（1月31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 $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
4.250 3.750 4.000 3.750 4.000 4.125
>$453K 4.375 4.000 4.375 ------ 4.250 4.375
Jumbo 4.375 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
4.375 3.875 4.125 3.875 4.375 4.500
>$453K 4.800 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
4.125 3.500 3.875 3.500 3.625 3.750
APR 4.152 3.599 3.953 3.644 3.680 3.806
 
>$453K 4.200 3.875 4.200 ------ 4.125 4.250
APR 4.240 3.922 4.255 ------ 4.153 4.279
 
Jumbo 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.263 4.184 4.652 ------ 3.908 3.908
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.125 4.375 4.125 4.125 4.250
APR 4.640 4.207 4.411 4.244 4.163 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
4.250 3.750 4.000 3.750 4.000 4.125
>$453K 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
4.375 3.875 4.125 3.875 4.250 4.375
>$453K 5.000 4.375 4.750 ------ 4.250 4.375
 
PRIMARY RESIDENCE - 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 3.750
APR 4.121 3.548 3.913 3.570 3.652 3.777
 
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.238 4.140 4.617 ------ 3.884 3.884
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.125 4.375 4.125 4.125 ------
APR 4.611 4.156 4.370 4.169 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
4.250 3.875 4.125 3.875 4.500 4.250
>$453K 4.750 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 4.000 4.250 4.000 4.500 4.500
>$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
4.125 3.500 3.875 3.500 3.625 3.750
APR 4.119 3.555 3.914 3.580 3.656 3.781
 
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.240 4.145 4.621 ------ 3.886 3.886
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.375 4.125 4.125 4.250
APR 4.530 4.162 4.375 4.179 4.138 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
4.375 3.875 4.125 3.875 ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.375 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.375 4.375 ------ ------ 5.250
>$453K 5.125 4.625 4.875 ------ 4.500 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.500 3.875 3.500 3.625 3.750
APR 4.057 3.564 3.925 3.592 3.681 3.806
 
>$453K 4.875 4.250 4.625 ------ 4.125 4.250
APR 4.872 4.283 4.622 ------ 4.128 4.253
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.250 4.125 4.125 4.250
APR 4.537 4.171 4.330 4.191 4.184 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
4.500 4.125 4.250 4.125 ------ ------
>$453K 5.500 4.875 5.250 ------ 5.000 4.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.250 4.375 4.250 ------ ------
>$453K 5.500 4.875 5.250 ------ 5.000 4.875
 
PRIMARY RESIDENCE - 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 3.750
APR 4.139 3.579 3.937 3.615 3.679 3.805
 
>$453K 4.875 4.250 4.625 ------ 4.125 4.250
APR 4.873 4.283 4.622 ------ 4.128 4.253
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.375 4.125 4.125 4.250
APR 4.546 4.187 4.395 4.214 4.185 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
4.375 4.000 4.250 4.000 ------ 5.250
>$453K 4.750 4.625 5.000 ------ 4.500 4.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.375 4.125 ------ 5.250
>$453K 5.250 4.625 5.000 ------ 4.500 4.500
 
PRIMARY RESIDENCE - 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 3.750
APR 4.174 3.605 3.958 3.652 3.694 3.819
 
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.247 4.156 4.630 ------ 3.892 3.892
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.375 4.125 4.125 4.250
APR 4.562 4.213 4.415 4.252 4.200 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
4.250 3.750 4.000 3.750 4.000 4.125
>$453K 4.500 4.375 4.750 ------ 4.250 4.250
Jumbo 4.375 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
4.375 3.875 4.125 3.875 4.250 4.375
>$453K 5.000 4.375 4.750 ------ 4.250 4.375
 
PRIMARY RESIDENCE - 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 3.750
APR 4.114 3.547 3.908 3.569 3.651 3.777
 
>$453K 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.237 4.140 4.617 ------ 3.883 3.883
 
Jumbo 4.250 4.125 4.625 ------ 3.875 3.875
APR 4.232 4.131 4.609 ------ 3.878 3.878
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.125 4.375 4.125 4.125 4.250
APR 4.525 4.155 4.390 4.168 4.133 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):
- - - - - - 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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