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【今日房贷利率】7月6日(星期三)

(2011-07-06 08:25:51) 下一个
短评:今天(7月6日星期三)的利率和昨天相比基本持平。重新贷款41万7以下30年固定维持在4.625%,15年固定略降为3.75%,5/1 ARM仍为3.125%。购房贷款41万7以下30年固定利率仍为4.5%,15年固定仍为3.75%,5/1 ARM仍为2.75%。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6253.1253.750
<=$729K4.7503.875            3.375      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.7503.2503.875
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.7503.250
APR:4.6093.9374.5243.7692.8483.351
<=$729K4.5003.750            3.000      
APR:4.5893.903            3.082      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.1254.7503.750            
APR:4.8604.3144.9014.020            
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.7504.5003.6253.2503.750
>$417K4.6253.875            3.375      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.7503.3753.875
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.250
APR:4.6093.9374.5243.7692.9743.351
>$417K4.5003.750            3.000      
APR:4.5893.903            3.082      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.1254.7503.750            
APR:4.8604.3144.9014.020            
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.7503.3753.875
>$417K4.7503.875            3.625      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7503.8754.5003.7503.6254.125
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.7504.3753.5002.8753.250
APR:4.4833.9374.5243.7692.9743.351
>$417K4.5003.750            3.000      
APR:4.5893.903            3.082      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.7504.0004.6253.750            
APR:4.8604.1884.7754.020            
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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