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【今日房贷利率】9月13日（星期四）

(2012-09-13 08:14:25) 下一个

今日房贷利率（CA、MD、VA）

SUMMARY：今天（9月13日星期四）开盘时的利率价格和昨天相比稍微变好。由于美联储会将於今天12:30ET宣布是否会启动QE3，所以利率很有可能再变动，但具体会变好还是变差，则要看各自的判断和猜测了。目前重新贷款40万左右的利率30年固定仍为3.375%，15 年固定仍为2.75%。5/1 ARM仍为2.75%！购房贷款40万左右，30年固定的利率仍为3.375%，15年固定仍为2.75%，5/1 ARM仍为2.5%。
注：以下列出的利率都是不带impound account的利率（其它条件请参见本帖底部参数）。如果加impound account有可能拿到更优惠的利率。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.3752.7502.7503.000
>$417K3.5002.875            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.3752.7502.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.7503.2502.7502.5002.875
APR:3.3512.9323.3933.0152.5972.974
>$417K3.3752.750            2.625      
APR:3.4582.899            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.3752.875            
APR:3.6033.0573.5183.141            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.3752.7502.7503.000
>$417K3.5002.875            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.3752.7502.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.7502.5002.875
APR:3.4772.9323.3933.0152.5972.974
>$417K3.3752.750            2.625      
APR:3.4582.899            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5003.0003.5002.875            
APR:3.6033.1833.6443.141            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.3752.7502.7503.125
>$417K3.5002.875            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.3752.7502.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.7503.2502.7502.5002.875
APR:3.3512.9323.3933.0152.5972.974
>$417K3.3752.750            2.625      
APR:3.4582.899            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5003.0003.5002.875            
APR:3.6033.1833.6443.141            
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>=760;
6. No Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)

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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