【今日房贷利率】2月7日（星期一）

短评：今天（2月7日星期一）的购房贷款利率在上星期五上涨之后基本保持稳定。重新贷款no cost 30年固定利率涨至5.125%了！想想前两个多月前最低都做到4.125%，真是天壤之别啊！
************** CALIFORNIA **************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	4.875	4.250	4.250
<=$729K	5.250	4.500
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125	3.500	3.750
APR:	4.986	4.439	5.027	4.397	3.603	3.854
<=$729K	5.125	4.375			4.000
APR:	5.217	4.531			4.086
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.625	5.125	4.500
APR:	5.364	4.816	5.278	4.774
*************** MARYLAND ***************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	4.875	4.250
>$417K	5.250	4.500
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125	3.500	3.750
APR:	4.986	4.439	5.027	4.397	3.603	3.854
>$417K	5.125	4.375			4.125
APR:	5.217	4.531			4.212
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.500	5.125	4.375
APR:	5.364	4.691	5.278	4.648
*************** VIRGINIA ***************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.375	4.875	4.250
>$417K	5.250	4.500
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	4.125	3.500	3.750
APR:	4.986	4.314	4.901	4.397	3.603	3.854
>$417K	5.125	4.375			4.125
APR:	5.217	4.531			4.212
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.500	5.125	4.375
APR:	5.364	4.691	5.278	4.648
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):      - <=80% for Primary Residence Conforming Purchase & Refinance;     - <=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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