【今日房贷利率】2018年1月5日星期五（CA、FL、GA、MD、TX、VA、WA)

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SUMMARY：今天（1月5日星期五)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 3.375 3.750 3.375 4.125 4.250
>$424K 4.125 3.625 3.990 ------ 4.000 4.125
Jumbo 4.125 4.000 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 4.125 4.250
>$424K 4.500 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 3.250 3.625 3.125 3.375 3.500
APR 3.806 3.276 3.674 3.242 3.419 3.545
 
>$424K 3.950 3.375 3.875 ------ 3.875 4.000
APR 3.980 3.458 3.903 ------ 3.903 4.028
 
Jumbo 4.000 3.750 4.375 ------ 3.500 3.625
APR 4.012 3.827 4.401 ------ 3.542 3.668
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.750 3.875 4.000
APR 4.276 3.832 4.049 3.868 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
3.875 3.375 3.750 3.375 4.000 4.125
>$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
4.000 3.500 3.875 3.500 4.000 4.125
>$424K 4.375 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
3.750 3.250 3.625 3.125 3.375 3.500
APR 3.777 3.226 3.634 3.168 3.392 3.517
 
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.988 3.784 4.367 ------ 3.518 3.644
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.750 3.875 4.000
APR 4.246 3.780 4.009 3.794 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
4.000 3.375 3.750 3.375 4.250 4.250
>$424K 4.250 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
4.125 3.625 3.875 3.625 4.250 4.250
>$424K 4.500 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
3.750 3.250 3.625 3.125 3.375 3.500
APR 3.771 3.232 3.639 3.178 3.395 3.520
 
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.991 3.788 4.371 ------ 3.521 3.646
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.750 4.000 3.750 3.875 4.000
APR 4.157 3.787 4.015 3.804 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
4.000 3.500 3.875 3.500 ------ 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
4.250 4.125 4.125 4.375 ------ 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
3.750 3.125 3.625 3.125 3.375 3.500
APR 3.775 3.206 3.646 3.190 3.420 3.545
 
>$424K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.240 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
4.125 3.625 4.000 3.625 3.875 4.000
APR 4.161 3.726 4.021 3.771 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
4.125 3.625 4.000 3.625 ------ ------
>$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
4.250 3.875 4.125 3.875 ------ ------
>$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
3.750 3.125 3.625 3.125 3.375 3.500
APR 3.784 3.222 3.658 3.213 3.418 3.544
 
>$424K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.242 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
4.125 3.750 4.000 3.750 3.875 4.000
APR 4.170 3.811 4.034 3.839 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
4.000 3.625 3.875 3.625 ------ 5.000
>$424K 4.250 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
4.125 3.750 4.000 3.750 ------ 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
3.750 3.125 3.625 3.125 3.375 3.500
APR 3.799 3.247 3.678 3.250 3.433 3.558
 
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.997 3.800 4.380 ------ 3.527 3.652
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.750 4.000 3.750 3.875 4.000
APR 4.185 3.837 4.054 3.876 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
3.875 3.375 3.750 3.375 4.000 4.125
>$424K 4.125 4.125 4.500 ------ 3.875 4.000
Jumbo 4.125 4.000 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 4.375 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
3.750 3.250 3.625 3.125 3.375 3.500
APR 3.777 3.225 3.653 3.167 3.391 3.516
 
>$424K 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.988 3.783 4.367 ------ 3.518 3.643
 
Jumbo 4.000 3.750 4.375 ------ 3.500 3.625
APR 3.983 3.774 4.359 ------ 3.513 3.638
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.250 3.750 4.000 3.750 3.875 4.000
APR 4.246 3.779 4.009 3.792 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):
- - - - - - 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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