【今日房貸利率】6月22日（星期三）

短評：今天（6月22日星期三）的利率和昨天相比，除重新貸款5/1 ARM略有上漲外，其它program基本持平。重新貸款41萬7以下30年固定仍維持在4.5%，15年固定為3.875%，5/1 ARM略漲為2.875%。購房貸款41萬7以下30年固定利率仍為4.375%，購房貸款41萬7以下5/1 ARM仍為2.625%。
********************* CALIFORNIA *********************
REFINANCE 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	2.875	3.250
<=$729K	4.500	3.875			3.000
REFINANCE CASH-OUT 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	3.000	3.500
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.500	2.625	3.000
APR:	4.483	3.811	4.398	3.769	2.723	3.100
<=$729K	4.375	3.750			2.750
APR:	4.463	3.903			2.830
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.250	4.500	3.750
APR:	4.860	4.439	4.649	4.020
********************** MARYLAND **********************
REFINANCE 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	2.875	3.375
>$417K	4.500	3.750			3.000
REFINANCE CASH-OUT 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	3.000
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.500	2.625	3.125
APR:	4.483	3.811	4.398	3.769	2.723	3.225
>$417K	4.375	3.750			2.875
APR:	4.463	3.903			2.956
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.250	4.500	3.750
APR:	4.860	4.439	4.649	4.020
********************** VIRGINIA **********************
REFINANCE 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	3.000
>$417K	4.500	3.875
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.875	4.375	3.750
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.250	3.375	2.625	3.125
APR:	4.483	3.811	4.398	3.643	2.723	3.225
>$417K	4.375	3.750			2.875
APR:	4.463	3.903			2.956
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.125	4.500	3.750
APR:	4.735	4.314	4.649	4.020
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。