12月7日（星期二）加州、马里兰州贷款利率（12:05PM更新）

来源: 方圆贷款于 2010-12-07 13:27:33 [档案] [博客] [旧帖] [给我悄悄话] 本文已被阅读：次 (17215 bytes)

SUMMARY: 今天的初始利率发布后，银行又多次上调了利率价格。30年固定购房贷款涨到到4.625%了，前不久还可以做到4.375%呢，这利率真是疯涨啊！

*********************** CALIFORNIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.250	4.625	4.125
<=$729K

REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.250	4.750	4.125
<=$729K

PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.875	3.500	3.750
APR:	4.735	4.188	4.649	4.146	3.603	3.854

<=$729K	4.750	4.250
APR:	4.840	4.405

*********************** MARYLAND ***********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.625	4.000
<=$729K	4.875

REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.250	4.625	4.125
<=$729K

PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.875	3.500	3.750
APR:	4.735	4.188	4.649	4.146	3.603	3.854

<=$729K	4.750	4.250
APR:	4.840	4.405

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): - <=80% for Conforming Refinance and Purchase; - <=70% for Conforming Cash-Out Refinance; - <=75% for Super-Conforming Refinance and Purchase; - <=65% for Super-Conforming Cash-Out Refinance. 3. Primary Residence; 4. Single Family Residence; 5. Credit score>=740; 6. No Impound/Escrow Account. For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.