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【今日房贷利率】10月21日（星期五）

(2011-10-21 08:03:57) 下一个

今日房贷利率（CA、MD、VA）

SUMMARY：今天（10月21日星期五）的利率价格继续变差，但利率和前天相比仍基本持平。目前重新贷款41万7以下30年固定仍维持在4.000%，15年固定仍为3.375%，5/1 ARM仍为2.875%。购房贷款41万7以下，30年固定利率仍为3.875%，15年固定仍为3.25%，5/1 ARM为2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2502.8753.250
>$417K4.3753.625            3.125      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.3754.0003.3753.0003.375
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.5002.875
APR:3.9803.4343.8953.5182.5972.974
>$417K4.0003.375            2.750      
APR:4.0863.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K      3.7504.1253.750            
APR:      3.9374.2724.020            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2502.8753.250
>$417K4.3753.625            3.125      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.3754.0003.3753.0003.375
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.8753.2502.6252.875
APR:3.9803.4344.0213.5182.7232.974
>$417K4.0003.375            2.750      
APR:4.0863.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K            4.250                  
APR:            4.398                  
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2503.0003.375
>$417K4.3753.625            3.375      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.3754.0003.3753.250      
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.5002.875
APR:3.9803.4343.8953.5182.5972.974
>$417K4.0003.375            2.750      
APR:4.0863.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K      3.6254.0003.625            
APR:      3.8114.1473.895            
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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