| 今日房贷利率（CA、MD、VA） |
SUMMARY：今天（5月29日星期二）开盘时的利率价格和上星期五相比基本持平。目前加州和马里兰州的重新贷款40万左右30年固定的利率维持在3.625%，15 年固定仍为3.000%，5/1 ARM仍为2.75%。购房贷款40万左右，30年固定的利率维持在3.5%，15年固定仍为2.875%，5/1 ARM仍为2.5%。
注：以下列出的利率都是without impound account的利率。如果加impound account有可能拿到更优惠的利率。 |
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| ********************* CALIFORNIA ********************* | |
| | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.625 | 3.000 | 3.500 | 2.875 | 2.750 | 3.000 |
| >$417K | 3.750 | 3.000 | | | 2.750 | |
| | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 2.750 | 3.125 |
| >$417K | | | | | | |
| | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.500 | 2.875 | 3.500 | 2.750 | 2.500 | 2.875 |
| APR: | 3.603 | 3.057 | 3.644 | 3.015 | 2.597 | 2.974 |
| | | | | | |
| >$417K | 3.625 | 3.000 | | | 2.625 | |
| APR: | 3.710 | 3.150 | | | 2.705 | |
| | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | | |
| APR: | 3.980 | 3.309 | 3.895 | 3.267 | | |
| | | | | | |
| ********************** MARYLAND ********************** | |
| | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.625 | 3.000 | 3.500 | 2.875 | 2.625 | 3.000 |
| >$417K | 3.750 | 3.000 | | | 2.750 | |
| | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 2.750 | 3.125 |
| >$417K | | | | | | |
| | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.500 | 2.875 | 3.500 | 2.750 | 2.500 | 2.875 |
| APR: | 3.603 | 3.057 | 3.644 | 3.015 | 2.597 | 2.974 |
| | | | | | |
| >$417K | 3.625 | 3.000 | | | 2.625 | |
| APR: | 3.710 | 3.150 | | | 2.705 | |
| | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | | |
| APR: | 3.980 | 3.309 | 3.895 | 3.267 | | |
| | | | | | |
| ********************** VIRGINIA ********************** | |
| | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 2.750 | 3.125 |
| >$417K | 3.750 | 3.125 | | | 2.875 | |
| | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 3.000 | 3.625 | 3.000 | 2.875 | 3.250 |
| >$417K | | | | | | |
| | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.500 | 2.875 | 3.500 | 2.750 | 2.500 | 2.875 |
| APR: | 3.603 | 3.057 | 3.644 | 3.015 | 2.597 | 2.974 |
| | | | | | |
| >$417K | 3.625 | 3.000 | | | 2.625 | |
| APR: | 3.710 | 3.150 | | | 2.705 | |
| | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | | |
| APR: | 3.980 | 3.309 | 3.895 | 3.267 | | |
| | | | | | |
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.
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。 |
