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【今日房貸利率】6月22日(星期五)

(2012-06-22 15:10:12) 下一個

今日房貸利率(CA、MD、VA)

SUMMARY:今天(6月22日星期五)的利率價格和昨天相比變差!但目前重新貸款40萬左右沒有impound account的30年固定的利率仍能保持在曆史新低3.5%,15 年固定仍為2.875%,5/1 ARM仍為2.75%。購房貸款40萬左右,30年固定的利率略漲為3.5%,15年固定為2.75%,5/1 ARM仍為2.5%。

注:以下列出的利率都是without impound account的利率(其它條件請參見本帖底部參數)。如果加impound account有可能拿到更優惠的利率。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.5002.8752.7503.000
>$417K3.6253.000            2.750      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5002.8752.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.3752.7502.5002.875
APR:3.6032.9323.5183.0152.5972.974
>$417K3.5002.875            2.625      
APR:3.5843.024            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.1253.6253.000            
APR:3.8543.3093.7703.267            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.8753.5002.7502.6253.000
>$417K3.6253.000            2.750      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5002.8752.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.7503.3752.7502.5002.875
APR:3.6032.9323.5183.0152.5972.974
>$417K3.5002.875            2.625      
APR:3.5843.024            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.1253.6253.000            
APR:3.8543.3093.7703.267            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5002.8752.7503.125
>$417K3.6253.000            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.5002.8752.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.3752.7502.5002.875
APR:3.4772.9323.5183.0152.5972.974
>$417K3.5002.875            2.625      
APR:3.5843.024            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.1253.6253.000            
APR:3.8543.3093.7703.267            
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>=760;
6. No Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender the above rates are based from)

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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