正文
今日房贷利率（CA、MD、VA） | ||||||
| SUMMARY：今天（1月10日星期二）的利率价格和昨天相比稍差。目前重新贷款40万左右30年固定的利率仍维持在历史新低3.75%，15 年固定仍为3.25%，5/1 ARM仍为2.75%。购房贷款40万左右，30年固定的利率仍为3.625%。15年固定仍为3.25%，5/1 ARM仍为2.5%。 | ||||||
| ********************* CALIFORNIA ********************* | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.250 | 3.625 | 3.250 | 2.750 | 3.125 |
| >$417K | 3.875 | 3.250 | 3.000 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.250 | 3.750 | 3.250 | 2.875 | 3.250 |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 3.250 | 3.500 | 3.125 | 2.500 | 2.875 |
| APR: | 3.728 | 3.434 | 3.644 | 3.392 | 2.597 | 2.974 |
| >$417K | 3.750 | 3.250 | 2.750 | |||
| APR: | 3.835 | 3.401 | 2.830 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.375 | 3.875 | 3.250 | ||
| APR: | 3.980 | 3.560 | 4.021 | 3.518 | ||
| ********************** MARYLAND ********************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.250 | 3.625 | 3.250 | 2.750 | 3.125 |
| >$417K | 3.875 | 3.250 | 3.000 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.250 | 3.750 | 3.250 | 2.875 | 3.250 |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 3.250 | 3.500 | 3.125 | 2.500 | 2.875 |
| APR: | 3.728 | 3.434 | 3.644 | 3.392 | 2.597 | 2.974 |
| >$417K | 3.750 | 3.250 | 2.750 | |||
| APR: | 3.835 | 3.401 | 2.830 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.375 | 3.875 | 3.250 | ||
| APR: | 3.980 | 3.560 | 4.021 | 3.518 | ||
| ********************** VIRGINIA ********************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.250 | 3.625 | 3.250 | 2.875 | 3.250 |
| >$417K | 3.875 | 3.250 | 3.250 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.250 | 3.750 | 3.250 | 3.125 | 3.500 |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 3.125 | 3.500 | 3.000 | 2.500 | 2.875 |
| APR: | 3.728 | 3.309 | 3.644 | 3.267 | 2.597 | 2.974 |
| >$417K | 3.750 | 3.250 | 2.750 | |||
| APR: | 3.835 | 3.401 | 2.830 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.250 | 3.750 | 3.250 | ||
| APR: | 3.980 | 3.434 | 3.895 | 3.518 | ||
| 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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