【今日房贷利率】8月2日（星期二）

短评：今天（8月2日星期二）的利率和昨天相比基本持平。重新贷款41万7以下30年固定为4.375%，15年固定为 3.625%，5/1 ARM为2.75%。购房贷款41万7以下30年固定利率为4.375%，15年固定为3.5%，5/1 ARM为2.5%。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.375	3.500	2.750	3.125
<=$729K	4.500	3.750			2.875
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.500	2.750	3.250
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.250	3.250	2.500	2.875
APR:	4.483	3.686	4.398	3.518	2.597	2.974
<=$729K	4.375	3.625			2.625
APR:	4.463	3.778			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.625
APR:	4.735	4.062	4.649	3.895
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.375	3.500	2.750	3.250
>$417K	4.500	3.750			2.875
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.500	2.875	3.250
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.250	3.250	2.500	3.000
APR:	4.483	3.686	4.398	3.518	2.597	3.100
>$417K	4.375	3.625			2.625
APR:	4.463	3.778			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.625
APR:	4.735	4.062	4.649	3.895
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.500	2.875	3.250
>$417K	4.500	3.750			2.875
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.500	2.875	3.500
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.250	3.250	2.500	3.000
APR:	4.483	3.686	4.398	3.518	2.597	3.100
>$417K	4.375	3.625			2.625
APR:	4.463	3.778			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.500	3.625
APR:	4.735	4.062	4.649	3.895
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。