今日房貸利率（CA、MD、VA）SUMMARY：今天（3月26日 星期一）開盤時的利率價格和上星期五相比基本持平。目前重新貸款40萬左右30年固定的利率仍為4%，15 年固定仍為3.25%，5/1 ARM仍為2.75%。購房貸款40萬左右，30年固定的利率為3.875%，15年固定為3.00%，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 4.000 3.250 3.875 3.125 2.750 3.000 >$417K 4.000 3.375 2.750 PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.250 3.875 3.250 2.750 3.125 >$417K PRIMARY RESIDENCE - PURCHASE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.000 3.750 3.000 2.500 2.875 APR: 3.980 3.183 3.895 3.267 2.597 2.974 >$417K 4.000 3.250 2.625 APR: 4.086 3.401 2.705 INVESTMENT PROPERTY - PURCHASE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.375 4.000 3.500 APR: 4.231 3.560 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 4.000 3.250 3.875 3.125 2.625 3.000 >$417K 4.000 3.375 2.750 PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.250 3.875 3.250 2.750 3.125 >$417K PRIMARY RESIDENCE - PURCHASE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.000 3.750 3.000 2.500 2.875 APR: 3.980 3.183 3.895 3.267 2.597 2.974 >$417K 4.000 3.250 2.625 APR: 4.086 3.401 2.705 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 4.000 3.250 3.875 3.250 2.750 3.125 >$417K 4.000 3.375 2.875 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 4.000 3.375 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 3.000 3.750 3.000 2.500 2.875 APR: 3.980 3.183 3.895 3.267 2.597 2.974 >$417K 4.000 3.250 2.625 APR: 4.086 3.401 2.705 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。
