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【今日房贷利率】2月8日（星期二）—12:20PM更新，又涨了

(2011-02-08 12:35:32) 下一个
短评：今天（2月8日星期二）上午银行连续两次上调贷款利率，<$417K的购房贷款30年固定涨到到5.000%了！但愿已买房交定金的朋友们利率已经锁定了，否则银行有可能根据最新的利率来重新计算DTI（Debt-To-Income）Ratio来决定是否要重新审核已批准的贷款。
********************** CALIFORNIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.5005.0004.375            
<=$729K5.3754.625                        
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.2504.5005.1254.375            
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.2504.8754.2503.7504.125
APR:5.1124.4395.0274.5233.8544.231
<=$729K5.2504.500            4.250      
APR:5.3434.656            4.338      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.3754.6255.2504.500            
APR:5.4904.8165.4044.774            
********************** MARYLAND **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.5005.0004.375            
>$417K5.2504.625                        
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.2504.5005.1254.375            
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.2504.8754.2503.7504.125
APR:5.1124.4395.0274.5233.8544.231
>$417K5.2504.500                        
APR:5.3434.656                        
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.3754.6255.2504.500            
APR:5.4904.8165.4044.774            
********************** VIRGINIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.3755.0004.250            
>$417K5.2504.625                        
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.5005.0004.375            
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.1253.7504.125
APR:4.9864.4395.0274.3973.8544.231
>$417K5.1254.500                        
APR:5.2174.656                        
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.2504.6255.1254.500            
APR:5.3644.8165.2784.774            
Rates above are based on the following assumptions:
1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans;
2. Loan-To-Value (LTV): 
    - <=80% for Primary Residence Conforming Purchase & Refinance;
    - <=70% for Primary Residence Conforming Cash-Out Refinance;
    - <=75% for Primary Residence Super-Conforming Refinance and Purchase;
    - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
    - <=75% for Investment Property Conforming Purchase.
3. Primary Residence except specified;
4. Single Family Residence;
5. Credit score>=740;
6. No Impound/Escrow Account.

For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
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。
****************************************************
方圆贷款目前可以从事马里兰、维吉尼亚、加利福尼亚、佛罗里达州等四州的贷款业务。查询当前最新利率，请电949-829-3863或发email至[email protected]。
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