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【今日房贷利率】9月26日星期三-重贷15年固定利率2.625!

(2012-09-26 08:09:48) 下一个

今日房贷利率(CA、MD、VA)

SUMMARY:今天(9月26日星期三)开盘时的房贷二级市场Fannie Mae 3.0债券的价格飙涨10 ticks至$106 2/32(要知道两个星期前其价格还在$103左右徘徊)!二级市场债券的价格越高,其年回报率(即yield)就越低,和其挂钩的30年房贷的利率就越低。目前重新贷款40万左右的利率30年固定仍维持在历史新低3.25%,15 年固定降为2.625%。5/1 ARM仍为2.75%!购房贷款40万左右,30年固定的利率仍为3.25%,15年固定降为2.5%,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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.5002.7503.000
>$417K3.3752.750            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.6252.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.0002.3752.5002.875
APR:3.2252.6813.1412.6392.5972.974
>$417K3.2502.625            2.625      
APR:3.3332.773            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.7503.2502.750            
APR:3.4772.9323.3933.015            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.5002.7503.000
>$417K3.3752.750            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.6252.7503.125
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.0002.3752.5002.875
APR:3.2252.6813.1412.6392.5972.974
>$417K3.2502.625            2.625      
APR:3.3332.773            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.8753.2502.750            
APR:3.4773.0573.3933.015            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.6253.1252.6252.7503.125
>$417K3.3752.750            2.875      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.2502.7503.1252.6252.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.1252.5003.0002.3752.5002.875
APR:3.2252.6813.1412.6392.5972.974
>$417K3.2502.625            2.625      
APR:3.3332.773            2.705      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.8753.2502.750            
APR:3.4773.0573.3933.015            
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。
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