【今日房贷利率】6月29日（星期三）- 今天利率继续全面上涨！

短评：今天（6月29日星期三）的利率继续全面上涨！重新贷款41万7以下30年固定涨至4.625%，15年固定涨至3.875%，5/1 ARM涨至3%！购房贷款41万7以下30年固定利率仍为4.375%，15年固定仍为3.75%，5/1 ARM涨至2.75%。 其实错过上星期低利率重贷机会的朋友们其实也没必要要沮丧。在当前利率上下震荡频繁的大环境下，先选好信得过的mortgage broker，将贷款申请先递上去，将前期的准备工作先尽量完成（如title search，appraisal，文件签字等等）。等到利率下降的时候，再抓住时机锁定利率，是最稳妥的重新贷款申请方式。
********************* CALIFORNIA *********************
REFINANCE 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	3.000
<=$729K	4.625	4.000
REFINANCE CASH-OUT 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
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.500	2.750	3.125
APR:	4.483	3.937	4.524	3.769	2.848	3.225
<=$729K	4.500	3.750			2.875
APR:	4.589	3.903			2.956
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.625	4.625	3.875
APR:	5.238	4.816	4.775	4.146
********************** MARYLAND **********************
REFINANCE 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	3.125
>$417K	4.625	3.875
REFINANCE CASH-OUT 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
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.500	2.750	3.250
APR:	4.483	3.937	4.524	3.769	2.848	3.351
>$417K	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.625	4.625	3.875
APR:	5.238	4.816	4.775	4.146
********************** VIRGINIA **********************
REFINANCE 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
>$417K	4.625	4.000
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.750
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.500	2.750	3.250
APR:	4.483	3.937	4.524	3.769	2.848	3.351
>$417K	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.500	4.625	3.750
APR:	5.112	4.691	4.775	4.020
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。