【今日房贷利率】4月22日（星期五）

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-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.000	4.750	3.750	2.875	3.375
<=$729K	4.875	4.250			3.250
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	3.875	3.125	3.500
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	3.875	4.500	3.750	2.625	3.000
APR:	4.860	4.062	4.649	4.020	2.723	3.100
<=$729K	4.875	4.125			2.750
APR:	4.966	4.280			2.830
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125
APR:	4.986	4.439	5.027	4.397
********************** MARYLAND **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.000	4.750	3.750	3.000	3.375
>$417K	4.875	4.250			3.250
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	3.875	3.250	3.625
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	3.875	4.500	3.750	2.750	3.000
APR:	4.860	4.062	4.649	4.020	2.848	3.100
>$417K	4.875	4.125			2.875
APR:	4.966	4.280			2.956
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125
APR:	4.986	4.439	5.027	4.397
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.000	4.625	3.750	3.000	3.375
>$417K	4.875	4.250			3.375
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.750	3.875	3.250	3.625
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.750	2.750	3.000
APR:	4.735	4.062	4.649	4.020	2.848	3.100
>$417K	4.875	4.125			2.875
APR:	4.966	4.280			2.956
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.000
APR:	4.986	4.439	5.027	4.271
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。