【今日房贷利率】2017年12月19日星期二（CA、FL、GA、MD、TX、VA、WA）

来源: 奇虎贷款 于 2017-12-19 10:37:22 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读： 次 (112276 bytes)

SUMMARY：今天（12月19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 $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
<=$424K 3.875 3.375 3.750 3.375 4.000 4.250
>$424K 4.125 3.625 3.990 ------ 3.875 4.125
Jumbo 4.250 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
<=$424K 4.000 3.625 3.875 3.625 4.000 4.250
>$424K 4.625 4.250 4.500 ------ 3.875 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.250 3.125 3.375
APR 3.879 3.312 3.702 3.340 3.169 3.419
 
>$424K 3.950 3.500 3.875 ------ 3.750 4.000
APR 3.980 3.565 3.909 ------ 3.778 4.028
 
Jumbo 4.000 3.875 4.375 ------ 3.500 3.750
APR 4.023 3.934 4.401 ------ 3.542 3.773
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.750 4.000
APR 4.286 3.938 4.064 3.966 3.787 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
<=$424K 3.875 3.375 3.750 3.375 3.875 4.125
>$424K 4.250 4.125 4.500 ------ 3.875 4.125
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.625 3.875 3.625 3.875 4.125
>$424K 4.375 4.125 4.500 ------ 3.875 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.250 3.125 3.375
APR 3.851 3.262 3.662 3.267 3.141 3.392
 
>$424K 4.000 3.875 4.375 ------ 3.500 3.750
APR 3.998 3.890 4.367 ------ 3.518 3.748
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.750 4.000
APR 4.257 3.887 4.024 3.892 3.759 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
<=$424K 3.950 3.500 3.875 3.500 4.125 4.250
>$424K 4.375 4.375 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
<=$424K 4.125 3.750 3.875 3.750 4.125 4.250
>$424K 4.500 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
<=$424K 3.750 3.250 3.625 3.250 3.125 3.375
APR 3.781 3.268 3.658 3.277 3.145 3.395
 
>$424K 4.000 3.875 4.375 ------ 3.500 3.750
APR 4.001 3.895 4.371 ------ 3.521 3.751
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.750 4.000
APR 4.250 3.894 4.029 3.902 3.763 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
<=$424K 4.000 3.625 3.875 3.625 ------ 5.000
>$424K 4.500 4.375 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
<=$424K 4.250 4.125 4.250 4.375 ------ 5.000
>$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
<=$424K 3.750 3.250 3.625 3.125 3.125 3.375
APR 3.796 3.277 3.674 3.269 3.169 3.420
 
>$424K 4.250 4.000 4.375 ------ 3.750 4.000
APR 4.236 4.033 4.372 ------ 3.753 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.750 4.000 3.750 3.750 4.000
APR 4.182 3.851 4.036 3.896 3.808 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
<=$424K 4.125 3.750 4.000 3.750 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.625 4.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 4.000 4.125 4.000 ------ ------
>$424K 5.250 4.625 5.000 ------ 4.625 4.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.250 3.625 3.250 3.125 3.375
APR 3.805 3.292 3.687 3.312 3.168 3.418
 
>$424K 4.250 4.000 4.375 ------ 3.750 4.000
APR 4.238 4.033 4.372 ------ 3.753 4.003
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.750 4.000
APR 4.264 3.918 4.048 3.937 3.809 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
<=$424K 4.125 3.625 3.875 3.625 ------ 5.000
>$424K 4.500 4.375 4.750 ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 ------ 5.000
>$424K 4.500 4.375 4.750 ------ 4.125 4.250
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.250 3.625 3.250 3.125 3.375
APR 3.819 3.318 3.707 3.349 3.182 3.433
 
>$424K 4.000 3.875 4.375 ------ 3.500 3.750
APR 4.007 3.906 4.380 ------ 3.527 3.757
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.750 4.000
APR 4.279 3.944 4.068 3.975 3.823 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
<=$424K 3.875 3.375 3.750 3.375 3.875 4.125
>$424K 4.250 4.125 4.500 ------ 3.875 4.125
Jumbo 4.250 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
<=$424K 4.000 3.625 3.875 3.625 3.875 4.125
>$424K 4.375 4.125 4.500 ------ 3.875 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.750 3.250 3.625 3.250 3.125 3.375
APR 3.776 3.261 3.652 3.266 3.141 3.391
 
>$424K 4.000 3.875 4.375 ------ 3.500 3.750
APR 3.998 3.890 4.367 ------ 3.518 3.748
 
Jumbo 4.000 3.875 4.375 ------ 3.500 3.750
APR 3.993 3.881 4.359 ------ 3.513 3.743
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.250 3.875 4.000 3.875 3.750 4.000
APR 4.270 3.886 4.023 3.891 3.758 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):
- <=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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