【今日房贷利率】5月4日（星期五）

今日房贷利率（CA、MD、VA）
SUMMARY：由于劳工部公布的4月份就业报告低于预期，今天（5月4日星期五）开盘时的利率价格较昨天稍微变好。目前重新贷款40万左右30年固定的利率（with no impound account）仍维持在3.75%，15 年固定仍为3.000%，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2.875%，5/1 ARM仍为2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.625	2.875	2.750	3.000
>$417K	3.750	3.000			2.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.750	2.875	2.750	3.125
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	2.500	2.875
APR:	3.728	3.057	3.644	3.015	2.597	2.974
>$417K	3.750	3.000			2.625
APR:	3.835	3.150			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000
APR:	3.980	3.309	3.895	3.267
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.625	2.875	2.625	3.000
>$417K	3.750	3.000			2.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.625	2.875	2.750	3.125
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	2.500	2.875
APR:	3.728	3.057	3.644	3.015	2.597	2.974
>$417K	3.750	3.000			2.625
APR:	3.835	3.150			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000
APR:	3.980	3.309	3.895	3.267
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.750	2.875	2.750	3.125
>$417K	3.875	3.125			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.000	3.750	3.000	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	2.500	2.875
APR:	3.728	3.057	3.644	3.015	2.597	2.974
>$417K	3.750	3.000			2.625
APR:	3.835	3.150			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000
APR:	3.980	3.309	3.895	3.267
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>=760; 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。