| 短评：今天（6月22日星期三）的利率和昨天相比，除重新贷款5/1 ARM略有上涨外，其它program基本持平。重新贷款41万7以下30年固定仍维持在4.5%，15年固定为3.875%，5/1 ARM略涨为2.875%。购房贷款41万7以下30年固定利率仍为4.375%，购房贷款41万7以下5/1 ARM仍为2.625%。 |
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| ********************* CALIFORNIA ********************* | |
| | | | | | |
| REFINANCE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.875 | 3.250 |
| <=$729K | 4.500 | 3.875 | | | 3.000 | |
| | | | | | |
| REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 3.000 | 3.500 |
| <=$729K | | | | | | |
| | | | | | |
| PURCHASE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 2.625 | 3.000 |
| APR: | 4.483 | 3.811 | 4.398 | 3.769 | 2.723 | 3.100 |
| | | | | | |
| <=$729K | 4.375 | 3.750 | | | 2.750 | |
| APR: | 4.463 | 3.903 | | | 2.830 | |
| | | | | | |
| PURCHASE RATE - INVESTMENT PROPERTY: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.750 | 4.250 | 4.500 | 3.750 | | |
| APR: | 4.860 | 4.439 | 4.649 | 4.020 | | |
| | | | | | |
| ********************** MARYLAND ********************** | |
| | | | | | |
| REFINANCE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.875 | 3.375 |
| >$417K | 4.500 | 3.750 | | | 3.000 | |
| | | | | | |
| REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 3.000 | |
| >$417K | | | | | | |
| | | | | | |
| PURCHASE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 2.625 | 3.125 |
| APR: | 4.483 | 3.811 | 4.398 | 3.769 | 2.723 | 3.225 |
| | | | | | |
| >$417K | 4.375 | 3.750 | | | 2.875 | |
| APR: | 4.463 | 3.903 | | | 2.956 | |
| | | | | | |
| PURCHASE RATE - INVESTMENT PROPERTY: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.750 | 4.250 | 4.500 | 3.750 | | |
| APR: | 4.860 | 4.439 | 4.649 | 4.020 | | |
| | | | | | |
| ********************** VIRGINIA ********************** | |
| | | | | | |
| REFINANCE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 3.000 | |
| >$417K | 4.500 | 3.875 | | | | |
| | | | | | |
| REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | | |
| >$417K | | | | | | |
| | | | | | |
| PURCHASE RATE - PRIMARY RESIDENCE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.375 | 2.625 | 3.125 |
| APR: | 4.483 | 3.811 | 4.398 | 3.643 | 2.723 | 3.225 |
| | | | | | |
| >$417K | 4.375 | 3.750 | | | 2.875 | |
| APR: | 4.463 | 3.903 | | | 2.956 | |
| | | | | | |
| PURCHASE RATE - INVESTMENT PROPERTY: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.625 | 4.125 | 4.500 | 3.750 | | |
| APR: | 4.735 | 4.314 | 4.649 | 4.020 | | |
| | | | | | |
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。 |
