【今日房貸利率】5月5日（星期四）

短評：今天（5月5日星期四）和昨天收盤時相比，除重新貸款Super-Conforming 5/1 ARM的利率微降外，其它program的利率沒有變化。重新貸款41萬7以下30年固定為4.625%，15年固定為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%。
********************* CALIFORNIA *********************
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			2.875
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	3.875	4.625	3.750	2.750	3.125
<=$729K
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
<=$729K	4.750	4.000			2.625
APR:	4.840	4.154			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	3.875
APR:	4.986	4.314	4.901	4.146
********************** MARYLAND **********************
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	3.000
>$417K	4.750	4.000			2.875
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	3.875	4.625	3.750	2.875	3.250
>$417K
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
>$417K	4.750	4.000			2.625
APR:	4.840	4.154			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	3.875
APR:	4.986	4.314	4.901	4.146
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.625	2.625	3.000
>$417K	4.750	4.000			3.000
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	2.875	3.250
>$417K
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
>$417K	4.750	3.875			2.625
APR:	4.840	4.029			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	3.875
APR:	4.986	4.314	4.901	4.146
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。