【今日房贷利率】11月2日（星期三）- 利率回涨！

今日房贷利率（CA、MD、VA）
SUMMARY：今天（11月2日星期三）的利率回涨，41万7以下重新贷款30年固定的利率又涨回到4%了！目前重新贷款41万7以下30年固定略涨为4%，15 年固定略涨为3.375%，5/1 ARM仍保持在2.75%。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%。 在当前短期内利率上下波动的大环境下，建议想等低利率重新贷款的网友们，不要等到 利率降低的那一天才开始递交申请。现在利率上升，其实正是递交申请的好时机。因为 从递交申请到能锁定利率，还有很多准备工作要做，如order preliminary title report，准备相关证明文件等，而递交申请又不用付任何费用，只要你和你的mortgage broker说好，先不要order appraisal，你就不会有任何的out-of-pocket 的费用。在 当前整个房贷产业链都十分繁忙的时候，各个环节的处理速度都会受到业务量上升的影 响而减慢。这种时候更应赶早不赶晚，先将贷款申请准备完整并在lender那里注册，这 样就可以早一点开始排队等待underwriting。与此同时你已准备好，只等利率一回落， 就可以出手锁定利率了。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR 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	2.750	3.125
>$417K	4.125	3.500			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
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR 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	2.750	3.125
>$417K	4.125	3.500			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		3.750	4.000	3.750
APR:		3.937	4.147	4.020
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR 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	4.125	3.500			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	3.250	2.500	2.875
APR:	3.854	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	4.125	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。