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【今日房貸利率】9月26日星期三-重貸15年固定利率2.625!

(2012-09-26 08:09:48) 下一個

今日房貸利率(CA、MD、VA)

SUMMARY:今天(9月26日星期三)開盤時的房貸二級市場Fannie Mae 3.0債券的價格飆漲10 ticks至$106 2/32(要知道兩個星期前其價格還在$103左右徘徊)!二級市場債券的價格越高,其年回報率(即yield)就越低,和其掛鉤的30年房貸的利率就越低。目前重新貸款40萬左右的利率30年固定仍維持在曆史新低3.25%,15 年固定降為2.625%。5/1 ARM仍為2.75%!購房貸款40萬左右,30年固定的利率仍為3.25%,15年固定降為2.5%,5/1 ARM仍為2.5%。
注:以下列出的利率都是不帶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
<=$417K3.2502.6253.1252.5002.7503.000
>$417K3.3752.750            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.6252.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.0002.3752.5002.875
APR:3.2252.6813.1412.6392.5972.974
>$417K3.2502.625            2.625      
APR:3.3332.773            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.750            
APR:3.4772.9323.3933.015            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.5002.7503.000
>$417K3.3752.750            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.6252.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.0002.3752.5002.875
APR:3.2252.6813.1412.6392.5972.974
>$417K3.2502.625            2.625      
APR:3.3332.773            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.8753.2502.750            
APR:3.4773.0573.3933.015            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.6252.7503.125
>$417K3.3752.750            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.7503.1252.6252.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.0002.3752.5002.875
APR:3.2252.6813.1412.6392.5972.974
>$417K3.2502.625            2.625      
APR:3.3332.773            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.8753.2502.750            
APR:3.4773.0573.3933.015            
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 from which the above rates are based)

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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