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【今日房贷利率】8月12日(星期五)

(2011-08-12 08:25:05) 下一个

今日房贷利率(CA、MD、VA)

短评:今天(8月12日星期五)的利率和昨天相比基本持平。重新贷款41万7以下30年固定为4.25%,15年固定仍维持在 3.375%,5/1 ARM仍为2.875%。购房贷款41万7以下30年固定利率降为4.125%,15年固定为3.25%,5/1 ARM为2.625%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2502.8753.375
<=$729K4.2503.500            3.250      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.5004.1253.2503.1253.625
<=$729K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.2502.6253.000
APR:4.2313.4344.1473.5182.7233.100
<=$729K4.2503.375            2.750      
APR:4.3383.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.2503.375            
APR:4.4833.8114.3983.643            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2502.8753.375
>$417K4.2503.500            3.250      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.5004.1253.2503.1253.625
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.2502.6253.125
APR:4.2313.4344.1473.5182.7233.225
>$417K4.2503.375            2.875      
APR:4.3383.526            2.956      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.2503.375            
APR:4.4833.8114.3983.643            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.1253.625
>$417K4.2503.500                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.5004.1253.250            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.2502.6253.000
APR:4.2313.4344.1473.5182.7233.100
>$417K4.1253.375            2.750      
APR:4.2123.526            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.6254.2503.375            
APR:4.3573.8114.3983.643            
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:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款,需要收point才能做。
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