【今日房貸利率】5月2日（星期一）

短評：今天（5月2日星期一）和上星期五收盤時相比除個別program外基本持平。購房貸款，41萬7以下5/1 ARM降至2.5%！30年固定目前為仍4.625%，15年固定為3.75%。
********************* CALIFORNIA *********************
REFINANCE 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	3.000
<=$729K	4.875	4.125			3.000
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	2.875	3.250
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	2.500	2.875
APR:	4.735	3.937	4.649	3.895	2.597	2.974
<=$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	4.250	4.750	4.000
APR:	4.986	4.439	4.901	4.271
********************** MARYLAND **********************
REFINANCE 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
>$417K	4.875	4.125			3.000
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	3.000	3.375
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	2.625	2.875
APR:	4.735	3.937	4.649	3.895	2.723	2.974
>$417K	4.750	4.000			2.750
APR:	4.840	4.154			2.830
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	4.000
APR:	4.986	4.439	4.901	4.271
********************** VIRGINIA **********************
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	2.750	3.125
>$417K	4.875	4.125			3.125
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	3.000	3.375
>$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	2.625	2.875
APR:	4.609	3.937	4.524	3.895	2.723	2.974
>$417K	4.750	4.000			2.750
APR:	4.840	4.154			2.830
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。