【今日房貸利率】7月8日（星期五）- 今天利率下降了！

短評：由於今天（7月8日星期五）美政府公布的就業報告遠低於預期，導致股票市場及10-yr yield跟進下跌。所以利率和昨天相比又開始回落，這對於那些已提交貸款申請但一直在耐心地等待機會的人們是一個鎖定利率的機會，希望大家不要錯過。 今天重新貸款41萬7以下30年固定降至4.625%，15年固定降至3.75%，5/1 ARM降至3.125%。購房貸款41萬7以下30年固定利率仍為4.5%，15年固定仍為3.75%，5/1 ARM降為2.75%。
********************* CALIFORNIA *********************
REFINANCE 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	3.125	3.750
<=$729K	4.750	3.875			3.375
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	3.250	3.875
<=$729K
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	3.500	2.750	3.250
APR:	4.609	3.937	4.524	3.769	2.848	3.351
<=$729K	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	4.750	4.125	4.750	3.750
APR:	4.860	4.314	4.901	4.020
********************** MARYLAND **********************
REFINANCE 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	3.250	3.750
>$417K	4.625	3.875			3.375
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	3.375	3.875
>$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	3.500	2.875	3.250
APR:	4.609	3.937	4.524	3.769	2.974	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	4.750	4.125	4.750	3.750
APR:	4.860	4.314	4.901	4.020
********************** 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	3.375	3.875
>$417K	4.750	3.875			3.625
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	3.875	4.500	3.750	3.625	4.125
>$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	2.875	3.250
APR:	4.483	3.937	4.524	3.769	2.974	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	4.750	4.000	4.625	3.750
APR:	4.860	4.188	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。