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【今日房貸利率】10月11日(星期二)

(2011-10-11 08:06:07) 下一個

今日房貸利率(CA、MD、VA)

SUMMARY:今天(10月11日星期二)的利率和昨天相比基本持平。目前重新貸款41萬7以下30年固定回維持在4.000%,15年固定仍為3.375%,5/1 ARM仍為2.875%。購房貸款41萬7以下,30年固定利率仍為3.875%,15年固定仍為3.25%,5/1 ARM略漲為2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2502.8753.250
>$417K4.2503.625            3.250      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.5003.8753.5003.1253.500
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.6252.875
APR:3.9803.4343.8953.5182.7232.974
>$417K4.0003.375            2.750      
APR:4.0863.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K            4.125                  
APR:            4.272                  
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2502.8753.250
>$417K4.1253.625            3.250      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.3753.1253.500
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.6253.000
APR:3.9803.4343.8953.5182.7233.100
>$417K4.0003.375            2.875      
APR:4.0863.526            2.956      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K            4.125                  
APR:            4.272                  
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.2503.1253.500
>$417K4.2503.625                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.5003.8753.5003.375      
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.6252.875
APR:3.9803.4343.8953.5182.7232.974
>$417K4.0003.375            2.750      
APR:4.0863.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.7504.0003.750            
APR:4.4833.9374.1474.020            
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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