【今日房贷利率】1月13日（星期五）

今日房贷利率（CA、MD、VA）
SUMMARY：今天（1月13日星期五）的利率价格和昨天相比基本持平。目前重新贷款40万左右30年固定的利率仍维持在历史新低3.75%，15 年固定仍为3.25%，5/1 ARM仍为2.75%。购房贷款40万左右，30年固定的利率仍为3.625%。15年固定仍为3.25%，5/1 ARM仍为2.5%。 在当前短期内利率上下波动的大环境下，建议想等低利率重新贷款的网友们，不要等到 利率降低的那一天才开始递交申请。利率微升时，其实正是递交申请的好时机。因为 从递交申请到能锁定利率，还有很多准备工作要做，如准备需借款人签字的完整的贷款申请表，准备相关证明文件等。而递交申请又不用付任何费用，只要你和你的mortgage broker说好，先不要order appraisal，你就不会有任何的out-of-pocket 的费用。在 当前整个房贷产业链都十分繁忙的时候，各个环节的处理速度都会受到业务量上升的影 响而减慢。这种时候更应赶早不赶晚，先将贷款申请准备完整并在lender那里注册，这 样就可以早一点开始排队等待underwriting。与此同时你已准备好，只等利率一回落， 就可以出手锁定利率了。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.625	3.125	2.750	3.125
>$417K	3.875	3.250			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.625	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	3.625	3.125	3.500	3.000	2.500	2.875
APR:	3.728	3.309	3.644	3.267	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	3.875	3.250	3.750	3.250
APR:	3.980	3.434	3.895	3.518
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.625	3.125	2.750	3.125
>$417K	3.875	3.250			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.625	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	3.625	3.125	3.500	3.000	2.500	2.875
APR:	3.728	3.309	3.644	3.267	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	3.875	3.375	3.750	3.250
APR:	3.980	3.560	3.895	3.518
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.625	3.125	2.875	3.250
>$417K	3.875	3.250			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.250	3.625	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	3.625	3.125	3.500	3.000	2.500	2.875
APR:	3.728	3.309	3.644	3.267	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	3.875	3.250	3.750	3.250
APR:	3.980	3.434	3.895	3.518
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。