【今日房貸利率】11月20日（星期一）- 購房30年固定降至3.75%！

今日房貸利率（CA、MD、VA）
SUMMARY：受歐洲債務危機及美國債務超級委員會很有可能達不成債務削減協議的影響，今天（11月20日星期一）的股市大跌，使開盤時的利率價格和上星期五相比變好，但暫時還沒有完全反映到利率上來。目前重新貸款41萬7以下30年固定仍維持在3.875%，15 年固定仍為3.25%，5/1 ARM仍為2.75%。購房貸款41萬7以下，30年固定的利率降為3.75%！15年固定仍為3.25%，5/1 ARM為2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.750	3.125
>$417K	4.000	3.375			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.875	3.250	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.125	2.500	2.875
APR:	3.854	3.434	3.895	3.392	2.597	2.974
>$417K	3.875	3.250			2.750
APR:	3.961	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.000	3.500
APR:	4.231	3.686	4.147	3.769
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.750	3.125
>$417K	4.000	3.375			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.875	3.250	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.250	2.500	2.875
APR:	3.854	3.434	3.895	3.518	2.597	2.974
>$417K	3.875	3.250			2.750
APR:	3.961	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.000	3.500
APR:	4.231	3.686	4.147	3.769
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.875	3.250
>$417K	4.000	3.375			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.875	3.250	3.125	3.500
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.125	2.500	2.875
APR:	3.854	3.434	3.895	3.392	2.597	2.974
>$417K	3.875	3.250			2.750
APR:	3.961	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250
APR:	4.106	3.560	4.021	3.518
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。