今日房贷利率(CA、MD、VA) | SUMMARY:今天(3月26日 星期一)开盘时的利率价格和上星期五相比基本持平。目前重新贷款40万左右30年固定的利率仍为4%,15 年固定仍为3.25%,5/1 ARM仍为2.75%。购房贷款40万左右,30年固定的利率为3.875%,15年固定为3.00%,5/1 ARM为2.5%。 | | | | | | | | ********************* CALIFORNIA ********************* | | | | | | | | | PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 2.750 | 3.000 | >$417K | 4.000 | 3.375 | | | 2.750 | | | | | | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.750 | 3.125 | >$417K | | | | | | | | | | | | | | PRIMARY RESIDENCE - PURCHASE RATE: | | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.500 | 2.875 | APR: | 3.980 | 3.183 | 3.895 | 3.267 | 2.597 | 2.974 | | | | | | | | >$417K | 4.000 | 3.250 | | | 2.625 | | APR: | 4.086 | 3.401 | | | 2.705 | | | | | | | | | INVESTMENT PROPERTY - PURCHASE RATE: | | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.500 | | | APR: | 4.231 | 3.560 | 4.147 | 3.769 | | | | | | | | | | ********************** MARYLAND ********************** | | | | | | | | | PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 2.625 | 3.000 | >$417K | 4.000 | 3.375 | | | 2.750 | | | | | | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.750 | 3.125 | >$417K | | | | | | | | | | | | | | PRIMARY RESIDENCE - PURCHASE RATE: | | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.500 | 2.875 | APR: | 3.980 | 3.183 | 3.895 | 3.267 | 2.597 | 2.974 | | | | | | | | >$417K | 4.000 | 3.250 | | | 2.625 | | APR: | 4.086 | 3.401 | | | 2.705 | | | | | | | | | INVESTMENT PROPERTY - PURCHASE RATE: | | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.500 | | | APR: | 4.231 | 3.686 | 4.147 | 3.769 | | | | | | | | | | ********************** VIRGINIA ********************** | | | | | | | | | PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.750 | 3.125 | >$417K | 4.000 | 3.375 | | | 2.875 | | | | | | | | | PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 4.000 | 3.375 | 2.875 | 3.250 | >$417K | | | | | | | | | | | | | | PRIMARY RESIDENCE - PURCHASE RATE: | | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.500 | 2.875 | APR: | 3.980 | 3.183 | 3.895 | 3.267 | 2.597 | 2.974 | | | | | | | | >$417K | 4.000 | 3.250 | | | 2.625 | | APR: | 4.086 | 3.401 | | | 2.705 | | | | | | | | | INVESTMENT PROPERTY - PURCHASE RATE: | | | | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.500 | | | APR: | 4.231 | 3.686 | 4.147 | 3.769 | | | | | | | | | | 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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