【今日房贷利率】2017年9月13日星期三(CA、FL、GA、MD、TX、VA、WA)

来源: 奇虎贷款 2017-09-13 17:48:22 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读: 次 (147715 bytes)
SUMMARY:今天(9月13日星期三)的房贷利率价格和昨天基本持平。

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 3.750 3.000 3.625 2.875 3.125 3.375
>$424K 3.950 3.250 3.875 ------ 3.625 3.750
Jumbo 3.875 3.500 ------ ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.125 3.875 3.875
>$424K 4.375 3.750 4.250 ------ ------ 4.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.660 2.955 3.520 2.866 2.928 3.169
 
>$424K 3.750 3.125 3.750 ------ 3.250 3.500
APR 3.798 3.180 3.801 ------ 3.295 3.516
 
Jumbo 3.750 3.375 ------ ------ 3.125 3.250
APR 3.781 3.401 ------ ------ 3.154 3.262
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 4.125 3.990
APR 4.057 3.456 3.924 3.466 4.184 4.046
 
******************************* 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 3.750 3.000 3.625 2.875 3.125 3.375
>$424K 4.000 3.625 ------ ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.125 3.750 3.750
>$424K 4.000 3.750 ------ ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.632 2.905 3.478 2.793 2.901 3.141
 
>$424K 3.750 3.375 ------ ------ 3.250 3.250
APR 3.759 3.395 ------ ------ 3.247 3.259
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 4.125 3.990
APR 4.028 3.405 3.884 3.392 4.144 4.007
 
******************************* 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 3.750 3.125 3.625 3.000 3.250 3.500
>$424K 4.125 3.750 ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.250 3.750 3.125 4.000 3.875
>$424K 4.125 3.875 ------ ------ 3.875 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.625 2.911 3.483 2.803 2.904 3.145
 
>$424K 3.750 3.375 ------ ------ 3.250 3.250
APR 3.761 3.399 ------ ------ 3.250 3.261
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 4.125 3.990
APR 4.021 3.412 3.890 3.402 4.148 4.011
 
******************************* 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 3.875 3.250 3.625 3.125 4.000 3.990
>$424K 4.125 3.750 ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.625 3.875 3.625 ------ 4.250
>$424K 4.125 3.875 ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.630 2.919 3.493 2.815 2.928 3.169
 
>$424K 3.875 3.375 ------ ------ 3.250 3.250
APR 3.861 3.396 ------ ------ 3.248 3.260
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.750 3.250 4.125 3.990
APR 4.026 3.420 3.828 3.395 4.185 4.048
 
******************************* 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 4.000 3.375 3.750 3.250 ------ 4.250
>$424K 4.250 4.000 ------ ------ ------ 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.125 3.500 4.000 3.500 ------ ------
>$424K 4.375 4.125 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.639 2.935 3.505 2.837 2.927 3.168
 
>$424K 3.875 3.375 ------ ------ 3.250 3.250
APR 3.863 3.400 ------ ------ 3.250 3.262
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 ------ 3.990
APR 4.035 3.436 3.909 3.437 ------ 4.054
 
******************************* 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 3.875 3.250 3.750 3.125 4.000 3.990
>$424K 4.125 3.750 ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 ------ 4.375
>$424K 4.250 3.875 ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.653 2.960 3.525 2.874 2.941 3.182
 
>$424K 3.750 3.375 ------ ------ 3.250 3.250
APR 3.767 3.411 ------ ------ 3.256 3.268
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 ------ 4.125
APR 4.049 3.461 3.929 3.474 ------ 4.181
 
******************************* 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 3.750 3.000 3.500 2.875 3.125 3.375
>$424K 4.000 3.625 ------ ------ 3.500 3.500
Jumbo 3.875 3.500 ------ ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.875 3.250 3.625 3.125 3.750 3.750
>$424K 4.000 3.750 ------ ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 3.625 2.875 3.500 2.750 2.875 3.125
APR 3.631 2.904 3.472 2.792 2.900 3.141
 
>$424K 3.750 3.375 ------ ------ 3.250 3.250
APR 3.758 3.394 ------ ------ 3.247 3.259
 
Jumbo 3.750 3.375 ------ ------ 3.125 3.250
APR 3.752 3.349 ------ ------ 3.126 3.234
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$424K 4.000 3.375 3.875 3.375 4.125 3.990
APR 4.027 3.404 3.886 3.391 4.143 4.007
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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