今日房貸利率（CA、MD、VA） | ||||||
SUMMARY：受西班牙國債利率飆升的影響，全球股市全麵下跌，連帶推高美國國債價格，導致美國債回報率再創新低。今天（7月23日星期一）開盤時的利率價格和上星期五相比變好！目前重新貸款40萬左右不帶impound acct的利率30年固定仍維持在曆史新低3.375%。15 年固定不帶impound acct仍為2.75%。5/1 ARM仍為2.75%！購房貸款40萬左右不帶impound acct，30年固定的利率降為3.25%，15年固定為2.75%，5/1 ARM仍為2.5%。 | ||||||
| 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-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.750 | 3.000 | |
| >$417K | 3.375 | 2.750 | 2.750 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.375 | 2.750 | 2.750 | 3.125 | |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.250 | 2.750 | 3.250 | 2.750 | 2.500 | 2.875 | |
| APR: | 3.351 | 2.932 | 3.393 | 3.015 | 2.597 | 2.974 |
| >$417K | 3.375 | 2.750 | 2.625 | |||
| APR: | 3.458 | 2.899 | 2.705 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.500 | 2.875 | 3.375 | 2.750 | |||
| APR: | 3.603 | 3.057 | 3.518 | 3.015 | ||
| ********************** MARYLAND ********************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.625 | 3.000 | |
| >$417K | 3.375 | 2.750 | 2.750 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.750 | 3.125 | |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.250 | 2.750 | 3.250 | 2.750 | 2.500 | 2.875 | |
| APR: | 3.351 | 2.932 | 3.393 | 3.015 | 2.597 | 2.974 |
| >$417K | 3.375 | 2.750 | 2.625 | |||
| APR: | 3.458 | 2.899 | 2.705 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.500 | 2.875 | 3.375 | 2.750 | |||
| APR: | 3.603 | 3.057 | 3.518 | 3.015 | ||
| ********************** VIRGINIA ********************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.750 | 3.125 | |
| >$417K | 3.500 | 2.875 | 2.875 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.375 | 2.750 | 2.875 | 3.250 | |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.250 | 2.750 | 3.250 | 2.750 | 2.500 | 2.875 | |
| APR: | 3.351 | 2.932 | 3.393 | 3.015 | 2.597 | 2.974 |
| >$417K | 3.375 | 2.750 | 2.625 | |||
| APR: | 3.458 | 2.899 | 2.705 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.500 | 2.875 | 3.375 | 2.750 | |||
| APR: | 3.603 | 3.057 | 3.518 | 3.015 | ||
| 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): - - - - - 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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