【今日房贷利率】7月1日(星期五)

短评:今天(7月1日星期五)的利率和昨天基本持平。重新贷款41万7以下30年固定在连续两天上涨之后稳定在4.75%,15年固定仍为3.875%,5/1 ARM稳定在3.25%!购房贷款41万7以下30年固定利率为4.5%,15年固定仍为3.75%,5/1 ARM为2.875%。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.7503.8754.6253.7503.2503.875
4.7504.000            3.500      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.7504.0004.6253.7503.3754.000
                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.5003.7504.3753.6252.8753.375
APR:4.6093.9374.5243.8952.9743.477
4.6253.875            3.125      
APR:4.7154.029            3.207      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.8754.2504.7503.875            
APR:4.9864.4394.9014.146            
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.7503.8754.6253.7503.3753.875
>$417K4.7504.000            3.500      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.7504.0004.6253.7503.5004.125
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.5003.7504.3753.6252.8753.500
APR:4.6093.9374.5243.8952.9743.603
>$417K4.6253.875            3.250      
APR:4.7154.029            3.333      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.8754.2504.7503.875            
APR:4.9864.4394.9014.146            
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.7504.0004.6253.7503.5004.125
>$417K4.7504.000            3.750      
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.7504.0004.6253.7503.750      
>$417K                                    
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.5003.7504.3753.6252.8753.500
APR:4.6093.9374.5243.8952.9743.603
>$417K4.6253.875            3.250      
APR:4.7154.029            3.333      
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
4.8754.2504.7503.875            
APR:4.9864.4394.9014.146            
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。
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