【今日房貸利率】5月3日（星期五）

今日房貸利率（CA、MD、VA）
SUMMARY：受好於預期的4月份美國就業報告的影響，今天（5月3日星期五）開盤時的利率價格和昨天相比大幅變差！目前重新貸款40萬左右的利率30年固定仍勉強維持在3.375%，15 年固定仍維持在2.5%（但super-conforming漲至2.75%），5/1 ARM仍為2.875%。購房貸款40萬左右，30年固定的利率仍為3.25%，15年固定仍為2.375%，5/1 ARM仍為2.5%。 注：以下列出的利率都是帶impound account的利率，其它條件請參見本帖底部參數。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.500	3.375	2.500	2.875	3.250
>$417K	3.500	2.750			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	2.625	3.375	2.500	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.375	3.250	2.375	2.500	2.875
APR:	3.351	2.555	3.393	2.639	2.597	2.974
>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625
APR:	3.603	2.932	3.518	2.890
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE 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
>$417K	3.500	2.750			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	2.625	3.375	2.500	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.375	3.250	2.375	2.500	2.875
APR:	3.351	2.555	3.393	2.639	2.597	2.974
>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625
APR:	3.603	2.932	3.518	2.890
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	3.000
>$417K	3.625	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	2.625	3.375	2.625
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.375	3.250	2.375	2.500	2.875
APR:	3.351	2.555	3.393	2.639	2.597	2.974
>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625
APR:	3.603	2.932	3.518	2.890
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. With 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。