【今日房貸利率】6月29日（星期三）- 今天利率繼續全麵上漲！

短評：今天（6月29日星期三）的利率繼續全麵上漲！重新貸款41萬7以下30年固定漲至4.625%，15年固定漲至3.875%，5/1 ARM漲至3%！購房貸款41萬7以下30年固定利率仍為4.375%，15年固定仍為3.75%，5/1 ARM漲至2.75%。 其實錯過上星期低利率重貸機會的朋友們其實也沒必要要沮喪。在當前利率上下震蕩頻繁的大環境下，先選好信得過的mortgage broker，將貸款申請先遞上去，將前期的準備工作先盡量完成（如title search，appraisal，文件簽字等等）。等到利率下降的時候，再抓住時機鎖定利率，是最穩妥的重新貸款申請方式。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.750	3.000
<=$729K	4.625	4.000
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.750
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.500	2.750	3.125
APR:	4.483	3.937	4.524	3.769	2.848	3.225
<=$729K	4.500	3.750			2.875
APR:	4.589	3.903			2.956
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.625	4.625	3.875
APR:	5.238	4.816	4.775	4.146
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.750	3.125
>$417K	4.625	3.875
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.750
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.500	2.750	3.250
APR:	4.483	3.937	4.524	3.769	2.848	3.351
>$417K	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.625	4.625	3.875
APR:	5.238	4.816	4.775	4.146
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.750
>$417K	4.625	4.000
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.750
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.500	2.750	3.250
APR:	4.483	3.937	4.524	3.769	2.848	3.351
>$417K	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.500	4.625	3.750
APR:	5.112	4.691	4.775	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。