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【今日房貸利率】4月1日(星期一)

(2011-04-01 07:56:31) 下一個
短評:今天(4月1日星期五)的利率和前幾天相比沒有變化。購房貸款41萬7以下30年固定人仍維持在4.75%,5/1 ARM仍為2.75%。Happy Friday!
********************* CALIFORNIA *********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.7504.0003.5003.875
<=$729K5.0004.375            3.875      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.0003.7504.125
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.7503.7502.7503.250
APR:4.8604.1884.9014.0202.8483.351
<=$729K4.8754.250            3.250      
APR:4.9664.405            3.333      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.5004.8754.250            
APR:5.2384.6915.0274.523            
********************** MARYLAND **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.7504.0003.6254.000
>$417K5.0004.375            3.875      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.0003.8754.250
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7502.7503.250
APR:4.8604.1884.7754.0202.8483.351
>$417K4.8754.250            3.375      
APR:4.9664.405            3.458      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.3754.8754.250            
APR:5.1124.5655.0274.523            
********************** VIRGINIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.7504.0003.6254.000
>$417K5.0004.375            4.000      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.0003.8754.250
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7502.7503.250
APR:4.8604.1884.7754.0202.8483.351
>$417K4.8754.250            3.375      
APR:4.9664.405            3.458      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.3754.8754.125            
APR:5.1124.5655.0274.397            
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。
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