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【今日房贷利率】8月2日(星期二)

(2011-08-02 07:54:21) 下一个
短评:今天(8月2日星期二)的利率和昨天相比基本持平。重新贷款41万7以下30年固定为4.375%,15年固定为 3.625%,5/1 ARM为2.75%。购房贷款41万7以下30年固定利率为4.375%,15年固定为3.5%,5/1 ARM为2.5%。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.3753.5002.7503.125
<=$729K4.5003.750            2.875      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.7503.250
<=$729K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.2502.5002.875
APR:4.4833.6864.3983.5182.5972.974
<=$729K4.3753.625            2.625      
APR:4.4633.778            2.705      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.625            
APR:4.7354.0624.6493.895            
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.6254.3753.5002.7503.250
>$417K4.5003.750            2.875      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.250
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.2502.5003.000
APR:4.4833.6864.3983.5182.5973.100
>$417K4.3753.625            2.625      
APR:4.4633.778            2.705      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.625            
APR:4.7354.0624.6493.895            
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.250
>$417K4.5003.750            2.875      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.7504.3753.5002.8753.500
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.2502.5003.000
APR:4.4833.6864.3983.5182.5973.100
>$417K4.3753.625            2.625      
APR:4.4633.778            2.705      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.6253.8754.5003.625            
APR:4.7354.0624.6493.895            
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。
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