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【今日房貸利率】6月29日(星期三)- 今天利率繼續全麵上漲!

(2011-07-03 09:11:43) 下一個
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 searchappraisal,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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.7503.000      
<=$729K4.6254.000                        
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.750            
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.7504.3753.5002.7503.125
APR:4.4833.9374.5243.7692.8483.225
<=$729K4.5003.750            2.875      
APR:4.5893.903            2.956      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.6254.6253.875            
APR:5.2384.8164.7754.146            
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.7503.125      
>$417K4.6253.875                        
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.750            
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.7504.3753.5002.7503.250
APR:4.4833.9374.5243.7692.8483.351
>$417K4.5003.750            3.000      
APR:4.5893.903            3.082      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.1254.6254.6253.875            
APR:5.2384.8164.7754.146            
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.750            
>$417K4.6254.000                        
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6254.0004.5003.750            
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.7504.3753.5002.7503.250
APR:4.4833.9374.5243.7692.8483.351
>$417K4.5003.750            3.000      
APR:4.5893.903            3.082      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.5004.6253.750            
APR:5.1124.6914.7754.020            
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。
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