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【今日房貸利率】11月15日(星期四)

(2012-11-15 11:10:26) 下一個

今日房貸利率(CA、MD、VA)

SUMMARY:今天(11月15日星期四)開盤後銀行下調了一次利率價格,和昨天相比稍微變好。目前重新貸款40萬左右的利率(不帶impound account)30年固定又回落至3.25%。15 年固定回落至2.75%,5/1 ARM仍為2.875%。購房貸款40萬左右,30年固定的利率仍為3.125%,15年固定仍為2.5%,5/1 ARM仍為2.625%。
注:以下列出的利率都是不帶impound account的利率(其它條件請參見本帖底部參數)。如果加impound account有可能拿到更優惠的利率。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.2502.6252.8753.250
>$417K3.5002.875                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.750            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.1252.5002.6252.875
APR:3.2252.6813.2672.7642.7232.974
>$417K3.3752.750            2.750      
APR:3.4582.899            2.830      
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
<=$417K3.2502.6253.2502.6252.7503.125
>$417K3.5002.875            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.7502.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.1252.5002.5002.875
APR:3.2252.6813.2672.7642.5972.974
>$417K3.3752.750            2.750      
APR:3.4582.899            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.3752.875            
APR:3.6033.0573.5183.141            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.2502.6252.8753.250
>$417K3.5002.875                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.750            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.1252.5002.5002.875
APR:3.2252.6813.2672.7642.5972.974
>$417K3.2502.625            2.750      
APR:3.3332.773            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.8753.3752.875            
APR:3.4773.0573.5183.141            
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:以上凡是沒有表明利率的loan program,意味著該program做不了no point的貸款,需要收point才能做。
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