【今日房贷利率】9月27日（星期四）

今日房贷利率（CA、MD、VA）
SUMMARY：今天（9月27日星期时）开盘时的房贷二级市场Fannie Mae 3.0债券的价格降至$105 23/32（较昨天下降9 ticks），导致利率价格变差。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 年固定又回涨为2.75%。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年固定仍为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-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.625	2.750	3.000
$550K	3.375	2.750			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.750	2.750	3.125
$550K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.125	2.500	3.000	2.375	2.500	2.875
APR:	3.225	2.681	3.141	2.639	2.597	2.974
$550K	3.250	2.750			2.625
APR:	3.333	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.375	2.750	3.250	2.750
APR:	3.477	2.932	3.393	3.015
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.625	2.750	3.000
$550K	3.375	2.750			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.750	2.750	3.125
$550K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.125	2.625	3.125	2.375	2.500	2.875
APR:	3.225	2.806	3.267	2.639	2.597	2.974
$550K	3.250	2.750			2.625
APR:	3.333	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.375	2.875	3.250	2.750
APR:	3.477	3.057	3.393	3.015
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.125	2.750	2.750	3.125
$550K	3.375	2.750			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.250	2.750	3.250	2.750	2.875	3.250
$550K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.125	2.500	3.000	2.375	2.500	2.875
APR:	3.225	2.681	3.141	2.639	2.597	2.974
$550K	3.250	2.750			2.625
APR:	3.333	2.899			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
$380K	3.375	2.875	3.250	2.750
APR:	3.477	3.057	3.393	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。