【今日房贷利率】11月1日（星期二）- 固定利率降了！

今日房贷利率（CA、MD、VA）
SUMMARY：今天（11月1日星期二）的利率价格继续好转，41万7以下重新贷款30年固定的利率又回到3.875%了！目前重新贷款41万7以下30年固定降为3.875%，15 年固定降为3.25%，5/1 ARM继昨天降为2.75%后保持不变。购房贷款41万7以下，30年固定利率仍为3.875%，15年固定仍为3.25%，5/1 ARM为2.5%。 今天希腊政府出人意料地宣布要对债务解决方案进行全民公决，引发市场对上星期欧盟各国领导人刚达成的欧债一揽子解决方案的担心，直接导致世界各地的股市大跌，美债的回报率下降。这对美国的房贷利率而言却是好消息。但估计希腊的老百姓是不会同意割肉还债（即通过提高税收、削减福利及工资等措施来偿还西方的债务）的，欧债危机看来还要进一步的发展！
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.875	3.250	2.750	3.125
>$417K	4.000	3.375			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.500	2.875
APR:	3.980	3.434	3.895	3.518	2.597	2.974
>$417K	3.875	3.250			2.750
APR:	3.961	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.625	4.000	3.500
APR:	4.357	3.811	4.147	3.769
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.875	3.250	2.750	3.125
>$417K	4.000	3.375			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.500	2.875
APR:	3.980	3.434	3.895	3.518	2.597	2.974
>$417K	4.000	3.375			2.750
APR:	4.086	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.625	4.000	3.625
APR:	4.483	3.811	4.147	3.895
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.875	3.250	2.875	3.250
>$417K	4.000	3.375			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.375	3.875	3.250	3.125	3.500
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.125	2.500	2.875
APR:	3.854	3.434	3.895	3.392	2.597	2.974
>$417K	3.875	3.250			2.750
APR:	3.961	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.500	4.000	3.500
APR:	4.231	3.686	4.147	3.769
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。