【今日房贷利率】7月8日（星期五）- 今天利率下降了！

短评：由于今天（7月8日星期五）美政府公布的就业报告远低于预期，导致股票市场及10-yr yield跟进下跌。所以利率和昨天相比又开始回落，这对于那些已提交贷款申请但一直在耐心地等待机会的人们是一个锁定利率的机会，希望大家不要错过。 今天重新贷款41万7以下30年固定降至4.625%，15年固定降至3.75%，5/1 ARM降至3.125%。购房贷款41万7以下30年固定利率仍为4.5%，15年固定仍为3.75%，5/1 ARM降为2.75%。
********************* CALIFORNIA *********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.750	4.500	3.625	3.125	3.750
	4.750	3.875			3.375
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.750	3.250	3.875
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.750	4.375	3.500	2.750	3.250
APR:	4.609	3.937	4.524	3.769	2.848	3.351
	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.750	3.750
APR:	4.860	4.314	4.901	4.020
********************** MARYLAND **********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.750	4.500	3.625	3.250	3.750
>$417K	4.625	3.875			3.375
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.750	3.375	3.875
>$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	3.500	2.875	3.250
APR:	4.609	3.937	4.524	3.769	2.974	3.351
>$417K	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.750	3.750
APR:	4.860	4.314	4.901	4.020
********************** VIRGINIA **********************
REFINANCE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.625	3.875	4.500	3.750	3.375	3.875
>$417K	4.750	3.875			3.625
REFINANCE CASH-OUT RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	3.875	4.500	3.750	3.625	4.125
>$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	2.875	3.250
APR:	4.483	3.937	4.524	3.769	2.974	3.351
>$417K	4.500	3.750			3.000
APR:	4.589	3.903			3.082
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.625	3.750
APR:	4.860	4.188	4.775	4.020
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。