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【今日房贷利率】1月6日(星期五)

(2012-01-06 08:28:38) 下一个

今日房贷利率(CA、MD、VA)

SUMMARY:今天(1月6日星期五)的利率和昨天相比基本持平。目前重新贷款40万左右30年固定的利率仍维持在历史新低3.75%,15 年固定仍为3.25%,5/1 ARM仍为2.75%。购房贷款40万左右,30年固定的利率仍为3.625%。15年固定仍为3.25%,5/1 ARM仍为2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.6253.2502.7503.125
>$417K3.8753.250            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.7503.2502.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.2503.5003.1252.5002.875
APR:3.7283.4343.6443.3922.5972.974
>$417K3.7503.250            2.750      
APR:3.8353.401            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.3753.8753.250            
APR:3.9803.5604.0213.518            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.6253.2502.7503.125
>$417K3.8753.250            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.7503.2502.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.2503.5003.1252.5002.875
APR:3.7283.4343.6443.3922.5972.974
>$417K3.7503.250            2.750      
APR:3.8353.401            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.3753.8753.250            
APR:3.9803.5604.0213.518            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.6253.2502.8753.250
>$417K3.8753.250            3.250      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.2503.7503.2503.1253.500
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.1253.5003.0002.5002.875
APR:3.7283.3093.6443.2672.5972.974
>$417K3.7503.250            2.750      
APR:3.8353.401            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8753.2503.7503.250            
APR:3.9803.4343.8953.518            
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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