【今日房贷利率】12月6日（星期二）- 8:45AM利率更新

今日房贷利率（CA、MD、VA）
SUMMARY：今天（12月6日星期二）8:45AM银行发布今天第一次利率价格更新，41万7以下15年固定的利率终于又降到3.25%了！目前重新贷款41万7以下30年固定暂时仍维持在3.875%（但离3.75%也不远了），15 年固定降为3.25%，5/1 ARM仍为2.75%。购房贷款41万7以下，30年固定的利率仍为3.75%。15年固定仍为3.25%，5/1 ARM为2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.750	3.125
>$417K	3.875	3.375			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.375	3.750	3.250	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.250	2.500	2.875
APR:	3.854	3.434	3.895	3.518	2.597	2.974
>$417K	3.875	3.250			2.750
APR:	3.961	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.625	3.875	3.500
APR:	4.106	3.811	4.021	3.769
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.750	3.125
>$417K	3.875	3.375			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.375	3.750	3.250	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.250	2.500	2.875
APR:	3.854	3.434	3.895	3.518	2.597	2.974
>$417K	3.875	3.375			2.750
APR:	3.961	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.625	3.875	3.625
APR:	4.106	3.811	4.021	3.895
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.250	3.750	3.250	2.875	3.250
>$417K	3.875	3.375			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.375	3.750	3.250	3.125	3.500
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.750	3.125	2.500	2.875
APR:	3.854	3.434	3.895	3.392	2.597	2.974
>$417K	3.750	3.250			2.750
APR:	3.835	3.401			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.500	3.875	3.500
APR:	4.106	3.686	4.021	3.769
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>=740; 6. No Impound/Escrow Account. 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。

所有跟帖： 

• what is best way to refi a loan of 700k in CA? thanks. -pediatrician2- ♂ (0 bytes) () 12/06/2011 postreply 09:30:19

• 如果你现在的贷款是30年固定的话，下面的方法也不失为一种选择，即： -方圆贷款- ♂ (474 bytes) () 12/06/2011 postreply 10:26:27

• 回复：advice needed -rmr- ♀ (227 bytes) () 12/06/2011 postreply 20:30:05