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【今日房贷利率】4月22日(星期五)

(2011-04-22 07:58:01) 下一个

短评:今天(4月22日星期五)的利率和前两天相比基本持平。重新贷款,41万7以下为4.75%。购房贷款,41万7以下30年固定仍维持在4.75%,15年固定为3.875%,5/1 ARM仍保持在低水平的2.625%。
********************* CALIFORNIA *********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.7503.7502.8753.375
<=$729K4.8754.250            3.250      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.1254.7503.8753.1253.500
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7503.8754.5003.7502.6253.000
APR:4.8604.0624.6494.0202.7233.100
<=$729K4.8754.125            2.750      
APR:4.9664.280            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.125            
APR:4.9864.4395.0274.397            
********************** MARYLAND **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.7503.7503.0003.375
>$417K4.8754.250            3.250      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.1254.7503.8753.2503.625
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7503.8754.5003.7502.7503.000
APR:4.8604.0624.6494.0202.8483.100
>$417K4.8754.125            2.875      
APR:4.9664.280            2.956      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.125            
APR:4.9864.4395.0274.397            
********************** VIRGINIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7503.0003.375
>$417K4.8754.250            3.375      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.1254.7503.8753.2503.625
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.7502.7503.000
APR:4.7354.0624.6494.0202.8483.100
>$417K4.8754.125            2.875      
APR:4.9664.280            2.956      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.8754.000            
APR:4.9864.4395.0274.271            
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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