Mortgage Interest Rates Resource Thread

Bay Area
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Here is a thread for posting prevailing rates that my broker has advised me about, that I can then share with you for your reference and general calculation purposes use. You may find better rates on your own and of course loan qualification will depend on your own specific circumstances. If you find this information helpful and then you want to contact my mortgage broker who provided this info, then PM me for contact info.

Ok, enough of the disclaimer, on to the rates!!!

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Rate update for your reference as 1/13/2017: The following rate quotes are based on Refinance Single Family Home with LTV 60%, primary home and credit score 740+.

Conforming Loan Rate below:

30 yr fixed refi
3.99% APR
3.99% Rate | At 0 pts, $0 fees

15 yr fixed refi
3.25% APR
3.250% Rate | At 0 pts, $0 fees

5/7 yr ARM refi
3.25% APR
4.375% Rate | At 0 pts, $0 fees

High Balance Loan Rate below:

30 yr fixed refi
4.25% APR
4.25% Rate | At 0 pts, $0 fees

15 yr fixed refi
3.50% APR
3.50% Rate | At 0 pts, $0 fees

5/7 yr ARM refi
3.625% APR
4.375% Rate | At 0 pts, $0 fees

Jumbo Loan Rate below:

30 yr fixed refi
4.25% APR
4.25% Rate | At 0 pts, $0 fees

15 yr fixed refi
3.625% APR
3.50% Rate | At 0 pts, $0 fees

5/7 yr ARM refi
3.625% APR
3.625% Rate | At 0 pts, $0 fees

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Latest rates via local resource… YMMV as always…

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https://www.inman.com/2017/10/12/real-estate-daily-market-update-october-12-2017-2/

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Got an email today from a loan officer friend of mine:

Conforming(<$424,100)
30Yr Fixed 3.75% APR 3.750%
15Yr Fixed 3.125% APR 3.125%
7Yr ARM 3.25% APR 4.10%
5Yr ARM 3.125% APR 4.10%

High Balance(>$424,100 & <=$636,150)
30Yr Fixed 3.875% APR 3.875%
15Yr Fixed 3.250% APR 3.250%
7Yr ARM 3.375% APR 4.10%
5Yr ARM 3.375% APR 4.10%

Jumbo(>$636,150)
30 Yr fixed 3.875% APR 3.875%
7Yr ARM 3.375% APR 4.10%
5Yr ARM 3.25% APR 4.10%

All closing costs included.

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these are the numbers from a week ago

4-plex, investment, non-owner occupied

30 yr fixed, Jumbo - 3.875
7/1 ARM, Jumbo - 3.375

the conforming ones

30 yr - 4.875
7/1 ARM - 4.5

Conforming rates are really bad… :\