| 短評：今天（3月10日星期四）的利率和昨天相比個別program稍降。購房貸款30年固定仍然維持在4.75%，15年固定降至4.000%，5/1 ARM降至2.75%。 注：貸款能拿到什麽樣的利率，受多種因素影響。您在比較以下利率時請注意參考本帖底部的貸款假設 (assumptions)。謝謝！ | ||||||
| ********************* CALIFORNIA ********************* | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.125 | 4.750 | 4.125 | 3.375 | 3.875 | |
| 5.000 | 4.250 | 3.750 | ||||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 3.625 | 4.125 | |
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.000 | 4.750 | 3.875 | 2.750 | 3.250 | |
| APR: | 4.860 | 4.188 | 4.901 | 4.146 | 2.848 | 3.351 |
| 4.875 | 4.250 | 3.125 | ||||
| APR: | 4.966 | 4.405 | 3.207 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.375 | 4.875 | 4.250 | |||
| APR: | 5.112 | 4.565 | 5.027 | 4.523 | ||
| ********************** MARYLAND ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.125 | 4.750 | 4.125 | 3.500 | 4.000 | |
| >$417K | 5.000 | 4.250 | 3.750 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 3.750 | 4.250 | |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.000 | 4.750 | 3.875 | 2.750 | 3.250 | |
| APR: | 4.860 | 4.188 | 4.901 | 4.146 | 2.848 | 3.351 |
| >$417K | 4.875 | 4.250 | 3.250 | |||
| APR: | 4.966 | 4.405 | 3.333 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.250 | 4.875 | 4.250 | |||
| APR: | 5.112 | 4.439 | 5.027 | 4.523 | ||
| ********************** VIRGINIA ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.125 | 4.750 | 4.000 | 3.500 | 4.000 | |
| >$417K | 5.000 | 4.250 | 3.875 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 3.750 | 4.250 | |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.000 | 4.625 | 3.875 | 2.750 | 3.250 | |
| APR: | 4.860 | 4.188 | 4.775 | 4.146 | 2.848 | 3.351 |
| >$417K | 4.875 | 4.250 | 3.250 | |||
| APR: | 4.966 | 4.405 | 3.333 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.250 | 4.875 | 4.250 | |||
| APR: | 5.112 | 4.439 | 5.027 | 4.523 | ||
| 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>=740; 6. No Impound/Escrow Account. 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。 | ||||||
【今日房貸利率】3月10日（星期四）
方圓貸款 (2011-03-10 07:51:59) 評論 (2)| 短評：今天（3月10日星期四）的利率和昨天相比個別program稍降。購房貸款30年固定仍然維持在4.75%，15年固定降至4.000%，5/1 ARM降至2.75%。 注：貸款能拿到什麽樣的利率，受多種因素影響。您在比較以下利率時請注意參考本帖底部的貸款假設 (assumptions)。謝謝！ | ||||||
| ********************* CALIFORNIA ********************* | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.125 | 4.750 | 4.125 | 3.375 | 3.875 | |
| 5.000 | 4.250 | 3.750 | ||||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 3.625 | 4.125 | |
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.000 | 4.750 | 3.875 | 2.750 | 3.250 | |
| APR: | 4.860 | 4.188 | 4.901 | 4.146 | 2.848 | 3.351 |
| 4.875 | 4.250 | 3.125 | ||||
| APR: | 4.966 | 4.405 | 3.207 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.375 | 4.875 | 4.250 | |||
| APR: | 5.112 | 4.565 | 5.027 | 4.523 | ||
| ********************** MARYLAND ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.125 | 4.750 | 4.125 | 3.500 | 4.000 | |
| >$417K | 5.000 | 4.250 | 3.750 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 3.750 | 4.250 | |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.000 | 4.750 | 3.875 | 2.750 | 3.250 | |
| APR: | 4.860 | 4.188 | 4.901 | 4.146 | 2.848 | 3.351 |
| >$417K | 4.875 | 4.250 | 3.250 | |||
| APR: | 4.966 | 4.405 | 3.333 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.250 | 4.875 | 4.250 | |||
| APR: | 5.112 | 4.439 | 5.027 | 4.523 | ||
| ********************** VIRGINIA ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.125 | 4.750 | 4.000 | 3.500 | 4.000 | |
| >$417K | 5.000 | 4.250 | 3.875 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 3.750 | 4.250 | |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.000 | 4.625 | 3.875 | 2.750 | 3.250 | |
| APR: | 4.860 | 4.188 | 4.775 | 4.146 | 2.848 | 3.351 |
| >$417K | 4.875 | 4.250 | 3.250 | |||
| APR: | 4.966 | 4.405 | 3.333 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.250 | 4.875 | 4.250 | |||
| APR: | 5.112 | 4.439 | 5.027 | 4.523 | ||
| 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>=740; 6. No Impound/Escrow Account. 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。 | ||||||