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| 短评：今天（5月2日星期一）和上星期五收盘时相比除个别program外基本持平。购房贷款，41万7以下5/1 ARM降至2.5%！30年固定目前为仍4.625%，15年固定为3.75%。 | ||||||
| ********************* CALIFORNIA ********************* | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.750 | 3.875 | 4.625 | 3.750 | 2.750 | 3.000 |
| <=$729K | 4.875 | 4.125 | 3.000 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.750 | 4.000 | 4.625 | 3.750 | 2.875 | 3.250 |
| <=$729K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.750 | 4.500 | 3.625 | 2.500 | 2.875 |
| APR: | 4.735 | 3.937 | 4.649 | 3.895 | 2.597 | 2.974 |
| <=$729K | 4.750 | 4.000 | 2.625 | |||
| APR: | 4.840 | 4.154 | 2.705 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.875 | 4.250 | 4.750 | 4.000 | ||
| APR: | 4.986 | 4.439 | 4.901 | 4.271 | ||
| ********************** MARYLAND ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.750 | 3.875 | 4.625 | 3.750 | 2.750 | 3.125 |
| >$417K | 4.875 | 4.125 | 3.000 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.750 | 4.000 | 4.625 | 3.750 | 3.000 | 3.375 |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.750 | 4.500 | 3.625 | 2.625 | 2.875 |
| APR: | 4.735 | 3.937 | 4.649 | 3.895 | 2.723 | 2.974 |
| >$417K | 4.750 | 4.000 | 2.750 | |||
| APR: | 4.840 | 4.154 | 2.830 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.875 | 4.250 | 4.750 | 4.000 | ||
| APR: | 4.986 | 4.439 | 4.901 | 4.271 | ||
| ********************** VIRGINIA ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.750 | 3.875 | 4.500 | 3.750 | 2.750 | 3.125 |
| >$417K | 4.875 | 4.125 | 3.125 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.750 | 4.000 | 4.625 | 3.750 | 3.000 | 3.375 |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.625 | 2.875 |
| APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.723 | 2.974 |
| >$417K | 4.750 | 4.000 | 2.750 | |||
| APR: | 4.840 | 4.154 | 2.830 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.875 | 4.125 | 4.750 | 3.875 | ||
| APR: | 4.986 | 4.314 | 4.901 | 4.146 | ||
| 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: $380K for Conforming loan, $550K for Super-Conforming loans; 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; - <=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。 | ||||||
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