【今日房贷利率】5月23日（星期一）

短评：今天（5月23日星期一）的利率和上星期收盘时相比基本持平。重新贷款41万7以下30年固定为4.625%，15年固定仍保持在3.875%。购房贷款41万7以下30年固定利率仍为4.5%，购房贷款41万7以下5/1 ARM为2.375%。
********************* CALIFORNIA *********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.625	2.625	2.875
	4.750	4.000			2.750
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.750	2.750	3.000
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.750	4.375	3.625	2.375	2.750
APR:	4.609	3.937	4.524	3.895	2.471	2.848
	4.625	3.875			2.500
APR:	4.715	4.029			2.579
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.750	3.875
APR:	4.860	4.314	4.901	4.146
********************** MARYLAND **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.625	2.625	2.875
>$417K	4.750	4.000			2.750
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.750	2.750	3.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.750	4.375	3.625	2.375	2.750
APR:	4.609	3.937	4.524	3.895	2.471	2.848
>$417K	4.625	3.875			2.625
APR:	4.715	4.029			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.750	3.875
APR:	4.860	4.314	4.901	4.146
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.750	2.875	3.250
>$417K	4.750	4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.500	3.750
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.750	4.375	3.500	2.375	2.750
APR:	4.483	3.937	4.524	3.769	2.471	2.848
>$417K	4.625	3.875			2.625
APR:	4.715	4.029			2.705
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.625	3.875
APR:	4.860	4.314	4.775	4.146
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。