【今日房貸利率】9月27日（星期四）

今日房貸利率（CA、MD、VA）
SUMMARY：今天（9月27日星期時）開盤時的房貸二級市場Fannie Mae 3.0債券的價格降至$105 23/32（較昨天下降9 ticks），導致利率價格變差。目前重新貸款40萬左右的利率30年固定仍維持在曆史新低3.25%，15 年固定又回漲為2.75%。5/1 ARM仍為2.75%！購房貸款40萬左右，30年固定的利率仍為3.25%，15年固定仍為2.5%，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
$380K	3.250	2.750	3.125	2.625	2.750	3.000
$550K	3.375	2.750			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.750	2.750	3.125
$550K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.125	2.500	3.000	2.375	2.500	2.875
APR:	3.225	2.681	3.141	2.639	2.597	2.974
$550K	3.250	2.750			2.625
APR:	3.333	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.375	2.750	3.250	2.750
APR:	3.477	2.932	3.393	3.015
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.625	2.750	3.000
$550K	3.375	2.750			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.750	2.750	3.125
$550K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.125	2.625	3.125	2.375	2.500	2.875
APR:	3.225	2.806	3.267	2.639	2.597	2.974
$550K	3.250	2.750			2.625
APR:	3.333	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.375	2.875	3.250	2.750
APR:	3.477	3.057	3.393	3.015
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.750	2.750	3.125
$550K	3.375	2.750			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.250	2.750	2.875	3.250
$550K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.125	2.500	3.000	2.375	2.500	2.875
APR:	3.225	2.681	3.141	2.639	2.597	2.974
$550K	3.250	2.750			2.625
APR:	3.333	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.375	2.875	3.250	2.750
APR:	3.477	3.057	3.393	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):      - <=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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