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【今日房貸利率】1月19日(星期四)

(2012-01-19 10:04:17) 下一個

今日房貸利率(CA、MD、VA)

SUMMARY:今天(1月19日星期四)開盤時的利率價格繼昨天上漲0.25bps (base percentage point,即0.25 point)後,繼續上漲!目前重新貸款40萬左右30年固定的利率升至3.875%,15 年固定仍為3.25%,5/1 ARM漲為2.875%。購房貸款40萬左右,30年固定的利率漲至3.75%。15年固定仍為3.25%,5/1 ARM仍為2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.8753.250
>$417K3.8753.375            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2503.0003.375
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.6253.0002.5002.875
APR:3.8543.4343.7703.2672.5972.974
>$417K3.8753.250            2.750      
APR:3.9613.401            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.3753.8753.250            
APR:4.1063.5604.0213.518            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.7503.1252.7503.125
>$417K3.8753.375            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2502.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.6253.0002.5002.875
APR:3.8543.4343.7703.2672.5972.974
>$417K3.8753.250            2.750      
APR:3.9613.401            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.5003.8753.375            
APR:4.2313.6864.0213.643            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2503.0003.375
>$417K3.8753.375            3.250      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.2503.250      
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.2503.5003.0002.5002.875
APR:3.7283.4343.6443.2672.5972.974
>$417K3.7503.250            2.750      
APR:3.8353.401            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.3753.8753.250            
APR:3.9803.5604.0213.518            
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。
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