【今日房贷利率】7月23日星期一:购房贷款30年固定3.25%！

今日房贷利率（CA、MD、VA）
SUMMARY：受西班牙国债利率飙升的影响，全球股市全面下跌，连带推高美国国债价格，导致美国债回报率再创新低。今天（7月23日星期一）开盘时的利率价格和上星期五相比变好！目前重新贷款40万左右不带impound acct的利率30年固定仍维持在历史新低3.375%。15 年固定不带impound acct仍为2.75%。5/1 ARM仍为2.75%！购房贷款40万左右不带impound acct，30年固定的利率降为3.25%，15年固定为2.75%，5/1 ARM仍为2.5%。
注：以下列出的利率都是不带impound account的利率（其它条件请参见本帖底部参数）。如果加impound account有可能拿到更优惠的利率。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.250	2.750	2.750	3.000
>$417K	3.375	2.750			2.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.375	2.750	2.750	3.125
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.750	3.250	2.750	2.500	2.875
APR:	3.351	2.932	3.393	3.015	2.597	2.974
>$417K	3.375	2.750			2.625
APR:	3.458	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.375	2.750
APR:	3.603	3.057	3.518	3.015
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.250	2.750	2.625	3.000
>$417K	3.375	2.750			2.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.250	2.750	2.750	3.125
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.750	3.250	2.750	2.500	2.875
APR:	3.351	2.932	3.393	3.015	2.597	2.974
>$417K	3.375	2.750			2.625
APR:	3.458	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.375	2.750
APR:	3.603	3.057	3.518	3.015
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.250	2.750	2.750	3.125
>$417K	3.500	2.875			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.375	2.750	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.250	2.750	3.250	2.750	2.500	2.875
APR:	3.351	2.932	3.393	3.015	2.597	2.974
>$417K	3.375	2.750			2.625
APR:	3.458	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.375	2.750
APR:	3.603	3.057	3.518	3.015
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; 7. 30-day lock; 8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based) 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。