【今日房贷利率】2018年1月8日星期一（CA、FL、GA、MD、TX、VA、WA)

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SUMMARY：今天（1月8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
3.950 3.375 3.750 3.375 4.125 4.000
>$453K 4.125 3.625 3.990 ------ 4.000 4.125
Jumbo 4.125 4.125 4.500 ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.625 4.125 4.250
>$453K 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
3.875 3.250 3.625 3.250 3.375 3.500
APR 3.890 3.312 3.702 3.340 3.429 3.555
 
>$453K 3.950 3.500 3.875 ------ 3.875 4.000
APR 3.988 3.565 3.916 ------ 3.903 4.028
 
Jumbo 3.875 3.875 4.375 ------ 3.625 3.625
APR 3.918 3.934 4.401 ------ 3.668 3.668
 
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 4.000
APR 4.286 3.938 4.064 3.966 3.912 4.038
 
******************************* 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
3.950 3.375 3.750 3.375 3.875 3.875
>$453K 4.125 4.125 4.500 ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.625 4.000 4.125
>$453K 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
3.875 3.250 3.625 3.250 3.375 3.500
APR 3.861 3.262 3.663 3.267 3.402 3.527
 
>$453K 3.875 3.875 4.375 ------ 3.625 3.625
APR 3.894 3.890 4.367 ------ 3.644 3.644
 
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 4.000
APR 4.257 3.887 4.024 3.892 3.884 4.009
 
******************************* 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 3.500 3.875 3.500 4.125 4.000
>$453K 4.375 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 4.000 3.625 4.250 4.250
>$453K 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
3.875 3.250 3.625 3.250 3.375 3.500
APR 3.855 3.268 3.668 3.277 3.405 3.530
 
>$453K 3.875 3.875 4.375 ------ 3.625 3.625
APR 3.896 3.895 4.371 ------ 3.646 3.646
 
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 4.000
APR 4.250 3.894 4.029 3.902 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 3.625 3.875 3.625 ------ 5.000
>$453K 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
4.375 4.125 4.250 4.375 ------ 5.000
>$453K 4.500 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 3.250 3.625 3.125 3.375 3.500
APR 3.796 3.277 3.674 3.243 3.430 3.555
 
>$453K 4.250 4.000 4.375 ------ 3.875 4.000
APR 4.239 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 4.172 3.832 4.036 3.869 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 3.750 4.000 3.750 ------ ------
>$453K 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 4.000 4.125 4.000 ------ ------
>$453K 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 3.250 3.625 3.125 3.375 3.500
APR 3.805 3.292 3.687 3.266 3.429 3.554
 
>$453K 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 4.181 3.848 4.048 3.892 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
4.125 3.625 3.875 3.625 ------ 5.000
>$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
4.250 3.875 4.000 3.875 ------ 5.000
>$453K 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 3.250 3.625 3.125 3.375 3.500
APR 3.819 3.318 3.707 3.303 3.443 3.568
 
>$453K 3.875 3.875 4.375 ------ 3.625 3.625
APR 3.903 3.906 4.380 ------ 3.652 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 4.196 3.874 4.068 3.930 3.949 4.074
 
******************************* 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
3.950 3.375 3.750 3.375 4.000 4.125
>$453K 4.125 4.125 4.500 ------ 4.000 4.000
Jumbo 4.125 4.125 4.500 ------ 4.000 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.625 4.000 4.125
>$453K 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
3.875 3.250 3.625 3.250 3.375 3.500
APR 3.871 3.261 3.664 3.266 3.401 3.526
 
>$453K 3.875 3.875 4.375 ------ 3.625 3.625
APR 3.893 3.890 4.367 ------ 3.643 3.643
 
Jumbo 3.875 3.875 4.375 ------ 3.625 3.625
APR 3.889 3.881 4.359 ------ 3.638 3.638
 
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 4.000
APR 4.276 3.886 4.023 3.891 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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