【今日房貸利率】11月1日（星期四）

今日房貸利率（CA、MD、VA）
SUMMARY：雖然今天（11月1日星期四）股票市場走高，但銀行發布的利率價格和昨天相比卻暫時持平。目前重新貸款40萬左右的利率（不帶impound account）30年固定仍維持在3.5%。15 年固定仍為2.75%，5/1 ARM仍做不到no-cost。購房貸款40萬左右，30年固定的利率仍為3.375%，15年固定仍為2.5%，5/1 ARM仍為2.75%。
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-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.750
>$417K		3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.500	2.750
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.500	3.250	2.500	2.750	3.125
APR:	3.477	2.681	3.393	2.764	2.848	3.225
>$417K	3.500	2.875			3.000
APR:	3.584	3.024			3.082
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K		3.000		2.875
APR:		3.183		3.141
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.750	3.000
>$417K		3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.500	2.750
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.500	3.250	2.500	2.625	3.000
APR:	3.477	2.681	3.393	2.764	2.723	3.100
>$417K	3.500	2.875			2.875
APR:	3.584	3.024			2.956
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K		3.000		2.875
APR:		3.183		3.141
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.375	2.750
>$417K		3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.500	2.750
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.500	3.250	2.500	2.625	3.000
APR:	3.351	2.681	3.393	2.764	2.723	3.100
>$417K	3.500	2.750			2.875
APR:	3.584	2.899			2.956
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.875
APR:	3.728	3.057	3.644	3.141
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。