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【今日房貸利率】4月27日(星期三)

(2011-04-27 07:45:37) 下一個
短評:今天(4月27日星期三)和昨天收盤時相比持平。購房貸款,41萬7以下30年固定在昨天終於打破維持了一個多月的4.75%,降為4.625%!15年固定仍為3.875%,5/1 ARM仍維持在的2.625%。
********************* CALIFORNIA *********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7502.7503.125
<=$729K4.8754.250            3.125      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.7503.7503.0003.375
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.6252.6252.875
APR:4.7354.0624.6493.8952.7232.974
<=$729K4.7504.125            2.750      
APR:4.8404.280            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.000            
APR:4.9864.4395.0274.271            
********************** MARYLAND **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7502.8753.250
>$417K4.8754.125            3.125      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.7503.7503.1253.500
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.6252.6252.875
APR:4.7354.0624.6493.8952.7232.974
>$417K4.7504.125            2.750      
APR:4.8404.280            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.000            
APR:4.9864.4395.0274.271            
********************** VIRGINIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7502.8753.250
>$417K4.8754.125            3.250      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7503.1253.500
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6252.6252.875
APR:4.7353.9374.6493.8952.7232.974
>$417K4.7504.000            2.750      
APR:4.8404.154            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.7504.000            
APR:4.9864.4394.9014.271            
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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