今日房贷利率（CA、MD、VA） | ||||||
SUMMARY：受西班牙国债利率飙升的影响，全球股市全面下跌，连带推高美国国债价格，导致美国债回报率再创新低。今天（7月23日星期一）开盘时的利率价格和上星期五相比变好！目前重新贷款40万左右不带impound acct的利率30年固定仍维持在历史新低3.375%。15 年固定不带impound acct仍为2.75%。5/1 ARM仍为2.75%！购房贷款40万左右不带impound acct，30年固定的利率降为3.25%，15年固定为2.75%，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 | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.750 | 3.000 | |
| >$417K | 3.375 | 2.750 | 2.750 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.375 | 2.750 | 2.750 | 3.125 | |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.250 | 2.750 | 3.250 | 2.750 | 2.500 | 2.875 | |
| APR: | 3.351 | 2.932 | 3.393 | 3.015 | 2.597 | 2.974 |
| >$417K | 3.375 | 2.750 | 2.625 | |||
| APR: | 3.458 | 2.899 | 2.705 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.500 | 2.875 | 3.375 | 2.750 | |||
| APR: | 3.603 | 3.057 | 3.518 | 3.015 | ||
| ********************** MARYLAND ********************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.625 | 3.000 | |
| >$417K | 3.375 | 2.750 | 2.750 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.750 | 3.125 | |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.250 | 2.750 | 3.250 | 2.750 | 2.500 | 2.875 | |
| APR: | 3.351 | 2.932 | 3.393 | 3.015 | 2.597 | 2.974 |
| >$417K | 3.375 | 2.750 | 2.625 | |||
| APR: | 3.458 | 2.899 | 2.705 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.500 | 2.875 | 3.375 | 2.750 | |||
| APR: | 3.603 | 3.057 | 3.518 | 3.015 | ||
| ********************** VIRGINIA ********************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.250 | 2.750 | 2.750 | 3.125 | |
| >$417K | 3.500 | 2.875 | 2.875 | |||
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.375 | 2.750 | 3.375 | 2.750 | 2.875 | 3.250 | |
| >$417K | ||||||
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.250 | 2.750 | 3.250 | 2.750 | 2.500 | 2.875 | |
| APR: | 3.351 | 2.932 | 3.393 | 3.015 | 2.597 | 2.974 |
| >$417K | 3.375 | 2.750 | 2.625 | |||
| APR: | 3.458 | 2.899 | 2.705 | |||
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.500 | 2.875 | 3.375 | 2.750 | |||
| APR: | 3.603 | 3.057 | 3.518 | 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): - - - - - 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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