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【今日房贷利率】5月2日(星期一)

(2011-05-02 08:18:55) 下一个
短评:今天(5月2日星期一)和上星期五收盘时相比除个别program外基本持平。购房贷款,41万7以下5/1 ARM降至2.5%!30年固定目前为仍4.625%,15年固定为3.75%。
********************* CALIFORNIA *********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7503.8754.6253.7502.7503.000
<=$729K4.8754.125            3.000      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7502.8753.250
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6252.5002.875
APR:4.7353.9374.6493.8952.5972.974
<=$729K4.7504.000            2.625      
APR:4.8404.154            2.705      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.7504.000            
APR:4.9864.4394.9014.271            
********************** MARYLAND **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7503.8754.6253.7502.7503.125
>$417K4.8754.125            3.000      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7503.0003.375
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6252.6252.875
APR:4.7353.9374.6493.8952.7232.974
>$417K4.7504.000            2.750      
APR:4.8404.154            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.7504.000            
APR:4.9864.4394.9014.271            
********************** VIRGINIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7503.8754.5003.7502.7503.125
>$417K4.8754.125            3.125      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.7503.0003.375
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.6252.6252.875
APR:4.6093.9374.5243.8952.7232.974
>$417K4.7504.000            2.750      
APR:4.8404.154            2.830      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.1254.7503.875            
APR:4.9864.3144.9014.146            
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。
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