【今日房貸利率】11月2日（星期三）- 利率回漲！

今日房貸利率（CA、MD、VA）
SUMMARY：今天（11月2日星期三）的利率回漲，41萬7以下重新貸款30年固定的利率又漲回到4%了！目前重新貸款41萬7以下30年固定略漲為4%，15 年固定略漲為3.375%，5/1 ARM仍保持在2.75%。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為2.5%。 在當前短期內利率上下波動的大環境下，建議想等低利率重新貸款的網友們，不要等到 利率降低的那一天才開始遞交申請。現在利率上升，其實正是遞交申請的好時機。因為 從遞交申請到能鎖定利率，還有很多準備工作要做，如order preliminary title report，準備相關證明文件等，而遞交申請又不用付任何費用，隻要你和你的mortgage broker說好，先不要order appraisal，你就不會有任何的out-of-pocket 的費用。在 當前整個房貸產業鏈都十分繁忙的時候，各個環節的處理速度都會受到業務量上升的影 響而減慢。這種時候更應趕早不趕晚，先將貸款申請準備完整並在lender那裏注冊，這 樣就可以早一點開始排隊等待underwriting。與此同時你已準備好，隻等利率一回落， 就可以出手鎖定利率了。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	2.750	3.125
>$417K	4.125	3.500			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	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	3.875	3.250	3.750	3.250	2.500	2.875
APR:	3.980	3.434	3.895	3.518	2.597	2.974
>$417K	4.000	3.375			2.750
APR:	4.086	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.000	3.625
APR:	4.483	3.811	4.147	3.895
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	2.750	3.125
>$417K	4.125	3.500			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	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	3.875	3.250	3.750	3.250	2.500	2.875
APR:	3.980	3.434	3.895	3.518	2.597	2.974
>$417K	4.000	3.375			2.750
APR:	4.086	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K		3.750	4.000	3.750
APR:		3.937	4.147	4.020
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	2.875	3.250
>$417K	4.125	3.500			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	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	3.250	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
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。