【今日房貸利率】8月8日（星期一）

CA、MD、VA、FL今日房貸利率發布 短評：今天（8月8日星期一）開盤的利率和上星期五相比暫時還沒有變化。依目前股債市的行情來看，銀行今天估計還會發布利率更新，我們也會酌情跟進發布。 重新貸款41萬7以下30年固定為4.375%，15年固定為 3.625%，5/1 ARM漲至2.875%。購房貸款41萬7以下30年固定利率為4.25%，15年固定為3.5%，5/1 ARM為2.625%。
********************* CALIFORNIA *********************
REFINANCE 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	2.875	3.250
<=$729K	4.375	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	4.375	3.625	4.375	3.500	2.875	3.375
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.250	3.250	2.625	3.000
APR:	4.357	3.686	4.398	3.518	2.723	3.100
<=$729K	4.375	3.500			2.750
APR:	4.463	3.652			2.830
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.625
APR:	4.609	3.937	4.524	3.895
********************** MARYLAND **********************
REFINANCE 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	2.875	3.250
>$417K	4.375	3.625			3.000
REFINANCE CASH-OUT 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	2.875	3.375
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.500	4.250	3.250	2.625	3.000
APR:	4.357	3.686	4.398	3.518	2.723	3.100
>$417K	4.375	3.500			2.750
APR:	4.463	3.652			2.830
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.625
APR:	4.609	3.937	4.524	3.895
********************** VIRGINIA **********************
REFINANCE 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	2.875	3.375
>$417K	4.375	3.750			3.250
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.375	3.500	3.125	3.625
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.250	2.625	3.000
APR:	4.357	3.560	4.272	3.518	2.723	3.100
>$417K	4.250	3.500			2.750
APR:	4.338	3.652			2.830
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.500
APR:	4.609	3.937	4.524	3.769
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。