短評:今天(5月18日星期三)的利率和昨天相比基本持平。重新貸款41萬7以下30年固定為4.625%,15年固定仍保持在3.875%。購房貸款41萬7以下30年固定利率仍為4.5%,5/1 ARM仍為2.5%。 |
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********************* CALIFORNIA ********************* | |
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REFINANCE RATE: | | | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.625 | 3.875 | 4.500 | 3.750 | 2.625 | 2.875 |
<=$729K | 4.750 | 4.125 | | | 2.750 | |
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REFINANCE CASH-OUT RATE: | | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.750 | 3.875 | 4.500 | 3.750 | 2.625 | 3.000 |
<=$729K | | | | | | |
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PURCHASE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.500 | 2.750 |
APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.597 | 2.848 |
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<=$729K | 4.750 | 4.000 | | | 2.625 | |
APR: | 4.840 | 4.154 | | | 2.705 | |
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PURCHASE RATE - INVESTMENT PROPERTY: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.875 | 4.250 | 4.750 | 3.875 | | |
APR: | 4.986 | 4.439 | 4.901 | 4.146 | | |
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********************** MARYLAND ********************** | |
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REFINANCE RATE: | | | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.625 | 3.875 | 4.500 | 3.750 | 2.625 | 2.875 |
>$417K | 4.750 | 4.000 | | | 2.750 | |
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REFINANCE CASH-OUT RATE: | | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.750 | 3.875 | 4.500 | 3.750 | 2.750 | 3.125 |
>$417K | | | | | | |
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PURCHASE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.500 | 2.750 |
APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.597 | 2.848 |
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>$417K | 4.750 | 4.000 | | | 2.625 | |
APR: | 4.840 | 4.154 | | | 2.705 | |
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PURCHASE RATE - INVESTMENT PROPERTY: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.875 | 4.250 | 4.750 | 3.875 | | |
APR: | 4.986 | 4.439 | 4.901 | 4.146 | | |
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********************** VIRGINIA ********************** | |
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REFINANCE RATE: | | | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.750 | 3.875 | 4.500 | 3.750 | 2.875 | 3.250 |
>$417K | 4.750 | 4.125 | | | | |
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REFINANCE CASH-OUT RATE: | | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.750 | 4.000 | 4.625 | 3.750 | | |
>$417K | | | | | | |
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PURCHASE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.500 | 2.750 |
APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.597 | 2.848 |
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>$417K | 4.750 | 3.875 | | | 2.625 | |
APR: | 4.840 | 4.029 | | | 2.705 | |
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PURCHASE RATE - INVESTMENT PROPERTY: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.750 | 4.125 | 4.750 | 3.875 | | |
APR: | 4.860 | 4.314 | 4.901 | 4.146 | | |
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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>=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。 |