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【今日房贷利率】6月14日(星期二)

(2011-06-14 08:57:06) 下一个
短评:今天(6月14日星期二)的利率和昨天相比除个别program的利率微涨外基本持平。重新贷款41万7以下30年固定仍维持在4.5%,15年固定为3.75%,5/1 ARM为2.875%! 购房贷款41万7以下30年固定利率仍为4.375%,购房贷款41万7以下5/1 ARM为2.625%!
********************* CALIFORNIA *********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.6252.8753.500
<=$729K4.6253.875            3.000      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.6253.000      
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.3753.5002.6253.125
APR:4.4833.8114.5243.7692.7233.225
<=$729K4.5003.750            2.875      
APR:4.5893.903            2.956      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.3754.6253.750            
APR:5.1124.5654.7754.020            
********************** MARYLAND **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.6252.8753.500
>$417K4.6253.750            3.000      
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6253.000      
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.3753.5002.7503.125
APR:4.4833.8114.5243.7692.8483.225
>$417K4.5003.750            2.875      
APR:4.5893.903            2.956      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K5.0004.3754.6253.750            
APR:5.1124.5654.7754.020            
********************** VIRGINIA **********************
REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6253.125      
>$417K4.6253.875                        
REFINANCE CASH-OUT RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.750            
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.3753.5002.7503.125
APR:4.4833.8114.5243.7692.8483.225
>$417K4.5003.750            2.875      
APR:4.5893.903            2.956      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.8754.2504.6253.750            
APR:4.9864.4394.7754.020            
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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