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【今日房貸利率】3月8日(星期五)

(2013-03-08 18:05:26) 下一個

今日房貸利率(CA、MD、VA)

SUMMARY:今天美勞工部公布的2月份就業報告超出預期,導致今天(3月7日星期四)的利率價格和昨天相比繼續變差。目前重新貸款40萬左右的利率30年固定仍勉強維持在3.625%,15 年固定仍為2.875%,5/1 ARM仍為3%。購房貸款40萬左右,30年固定的利率漲為3.5%,15年固定漲為2.75%,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
<=$417K3.6252.8753.6252.8753.000      
>$417K      3.125                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.8753.6252.875            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.5002.6252.6252.875
APR:3.6032.9323.6442.8902.7232.974
>$417K3.8753.000            2.875      
APR:3.9613.150            2.956      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K      3.0004.0003.000            
APR:      3.1834.1473.267            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.6252.8752.7503.125
>$417K      3.125            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.8753.6252.8752.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.5002.6252.5002.875
APR:3.6032.9323.6442.8902.5972.974
>$417K3.8753.000            2.750      
APR:3.9613.150            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K      3.0004.0003.000            
APR:      3.1834.1473.267            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.6252.8753.000      
>$417K4.2503.125                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7502.8753.6252.875            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.6253.5002.6252.5002.875
APR:3.6032.8063.6442.8902.5972.974
>$417K3.6252.875            2.750      
APR:3.7103.024            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.0003.7503.000            
APR:3.9803.1833.8953.267            
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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