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【今日房貸利率】7月29日(星期五)- 5/1 ARM利率下降!

(2011-07-29 07:56:46) 下一個
短評:今天(7月29日星期五)的利率和昨天相比,5/1 ARM的利率開始下降!重新貸款41萬7以下30年固定仍為4.5%,15年固定仍為 3.75%,5/1 ARM降為2.75%。購房貸款41萬7以下30年固定利率為4.375%,15年固定為3.625%,5/1 ARM降為2.5%。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.7503.250
<=$729K4.5003.750            2.875      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.250
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.3752.5003.000
APR:4.4833.6864.3983.6432.5973.100
<=$729K4.3753.625            2.625      
APR:4.4633.778            2.705      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.750            
APR:4.7354.0624.6494.020            
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.7503.250
>$417K4.5003.750            2.875      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.375
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.3752.6253.000
APR:4.4833.6864.3983.6432.7233.100
>$417K4.3753.625            2.750      
APR:4.4633.778            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.750            
APR:4.7354.0624.6494.020            
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.375
>$417K4.5003.750            3.000      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5003.0003.625
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.2502.6253.000
APR:4.4833.6864.3983.5182.7233.100
>$417K4.3753.625            2.750      
APR:4.4633.778            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.625            
APR:4.7354.0624.6493.895            
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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