【今日房贷利率】4月12日（星期二）

短评：今天（4月12日星期二）和昨天相比暂时还没有变化。购房贷款41万7以下30年固定仍维持在4.75%，5/1 ARM为2.75%。如果股票市场继续下跌，银行今天晚些时候有可能会向下微调利率的。
********************* CALIFORNIA *********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.125	4.750	3.875	3.375	3.750
	5.000	4.375			3.750
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.000	3.625	4.000
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.625	3.750	2.750	3.125
APR:	4.860	4.188	4.775	4.020	2.848	3.225
	4.875	4.250			3.125
APR:	4.966	4.405			3.207
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.375	4.875	4.125
APR:	5.112	4.565	5.027	4.397
********************** MARYLAND **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.125	4.750	3.875	3.500	3.875
>$417K	5.000	4.250			3.750
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.000	3.750	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.625	3.750	2.750	3.125
APR:	4.860	4.188	4.775	4.020	2.848	3.225
>$417K	4.875	4.250			3.250
APR:	4.966	4.405			3.333
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.375	4.875	4.125
APR:	5.112	4.565	5.027	4.397
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.125	4.750	3.875	3.500	3.875
>$417K	5.000	4.250			3.875
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.000	3.750	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	3.875	4.625	3.750	2.750	3.125
APR:	4.860	4.062	4.775	4.020	2.848	3.225
>$417K	4.875	4.250			3.250
APR:	4.966	4.405			3.333
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.250	4.875	4.125
APR:	5.112	4.439	5.027	4.397
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>=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。