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【今日房贷利率】5月3日（星期五）

(2013-05-03 08:12:57) 下一个

今日房贷利率（CA、MD、VA）
SUMMARY：受好于预期的4月份美国就业报告的影响，今天（5月3日星期五）开盘时的利率价格和昨天相比大幅变差！目前重新贷款40万左右的利率30年固定仍勉强维持在3.375%，15 年固定仍维持在2.5%（但super-conforming涨至2.75%），5/1 ARM仍为2.875%。购房贷款40万左右，30年固定的利率仍为3.25%，15年固定仍为2.375%，5/1 ARM仍为2.5%。注：以下列出的利率都是带impound account的利率，其它条件请参见本帖底部参数。

******************* CALIFORNIA *******************

PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.500	3.375	2.500	2.875	3.250
>$417K	3.500	2.750			3.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.875	3.250
>$417K

PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.375	3.250	2.375	2.500	2.875
APR:	3.351	2.555	3.393	2.639	2.597	2.974

>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830

INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625
APR:	3.603	2.932	3.518	2.890

******************** MARYLAND ********************

PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.500	3.250	2.500	2.750	3.125
>$417K	3.500	2.750			3.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.875	3.250
>$417K

PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.375	3.250	2.375	2.500	2.875
APR:	3.351	2.555	3.393	2.639	2.597	2.974

>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830

INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625
APR:	3.603	2.932	3.518	2.890

******************** VIRGINIA ********************

PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	3.000
>$417K	3.625	3.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.625
>$417K

PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.375	3.250	2.375	2.500	2.875
APR:	3.351	2.555	3.393	2.639	2.597	2.974

>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830

INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625
APR:	3.603	2.932	3.518	2.890

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. With 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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