短评:今天(5月24日星期二)的利率和昨天收盘时相比基本持平。重新贷款41万7以下30年固定为4.625%,15年固定仍保持在3.875%。购房贷款41万7以下30年固定利率仍为4.5%,购房贷款41万7以下5/1 ARM为2.375%。 | ||||||
********************* CALIFORNIA ********************* | ||||||
REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.625 | 3.875 | 4.500 | 3.750 | 2.625 | 2.875 |
<=$729K | 4.750 | 4.125 | 2.875 | |||
REFINANCE CASH-OUT RATE: | ||||||
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 | 3.125 |
<=$729K | ||||||
PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.375 | 2.750 |
APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.471 | 2.848 |
<=$729K | 4.750 | 4.000 | 2.625 | |||
APR: | 4.840 | 4.154 | 2.705 | |||
PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.875 | 4.250 | 4.750 | 3.875 | ||
APR: | 4.986 | 4.439 | 4.901 | 4.146 | ||
********************** MARYLAND ********************** | ||||||
REFINANCE RATE: | ||||||
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 |
>$417K | 4.750 | 4.000 | 2.875 | |||
REFINANCE CASH-OUT RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.625 | 3.875 | 4.500 | 3.750 | 2.875 | 3.250 |
>$417K | ||||||
PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.375 | 2.750 |
APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.471 | 2.848 |
>$417K | 4.750 | 4.000 | 2.625 | |||
APR: | 4.840 | 4.154 | 2.705 | |||
PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.875 | 4.250 | 4.750 | 3.875 | ||
APR: | 4.986 | 4.439 | 4.901 | 4.146 | ||
********************** VIRGINIA ********************** | ||||||
REFINANCE RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.625 | 3.875 | 4.500 | 3.750 | 3.000 | 3.375 |
>$417K | 4.750 | 4.125 | ||||
REFINANCE CASH-OUT RATE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.750 | 4.000 | 4.625 | 3.750 | ||
>$417K | ||||||
PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.500 | 3.750 | 4.375 | 3.625 | 2.375 | 2.750 |
APR: | 4.609 | 3.937 | 4.524 | 3.895 | 2.471 | 2.848 |
>$417K | 4.625 | 3.875 | 2.625 | |||
APR: | 4.715 | 4.029 | 2.705 | |||
PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
<=$417K | 4.750 | 4.125 | 4.750 | 3.875 | ||
APR: | 4.860 | 4.314 | 4.901 | 4.146 | ||
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。 |