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【今日房贷利率】3月7日星期四-重贷30年固定涨至3.625!

(2013-03-07 08:18:03) 下一个

今日房贷利率(CA、MD、VA)

SUMMARY:受好于预期的上周申领失业救济数据的影响,今天(3月7日星期四)的利率价格和昨天相比继续变差。目前重新贷款40万左右的利率30年固定回涨至3.625%,15 年固定仍为2.875%,5/1 ARM仍为3%。购房贷款40万左右,30年固定的利率仍为3.375%,15年固定仍为2.625%,5/1 ARM仍为2.625%。明天美劳工部会发布二月份就业报告,如果数字亮丽的话,利率还会继续走高。
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
<=$417K3.6252.8753.5002.8753.000      
>$417K3.8753.000                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.6252.875            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.6253.3752.6252.6252.875
APR:3.6032.8063.5182.8902.7232.974
>$417K3.6252.875            2.875      
APR:3.7103.024            2.956      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.0003.6253.000            
APR:3.8543.1833.7703.267            
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.5002.7502.7503.125
>$417K3.8753.000            3.000      
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.6252.8752.8753.250
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.5002.6253.3752.6252.5002.875
APR:3.6032.8063.5182.8902.5972.974
>$417K3.6252.875            2.750      
APR:3.7103.024            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.7503.0003.6253.000            
APR:3.8543.1833.7703.267            
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.5002.8753.000      
>$417K3.7503.000                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6252.8753.6252.875            
>$417K                                    
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.3752.6253.3752.6252.5002.875
APR:3.4772.8063.5182.8902.5972.974
>$417K3.6252.875            2.750      
APR:3.7103.024            2.830      
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.6253.0003.6252.875            
APR:3.7283.1833.7703.141            
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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