【今日房贷利率】8月12日（星期五）

今日房贷利率（CA、MD、VA）
短评：今天（8月12日星期五）的利率和昨天相比基本持平。重新贷款41万7以下30年固定为4.25%，15年固定仍维持在 3.375%，5/1 ARM仍为2.875%。购房贷款41万7以下30年固定利率降为4.125%，15年固定为3.25%，5/1 ARM为2.625%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	2.875	3.375
	4.250	3.500			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.250	3.125	3.625
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.125	3.250	4.000	3.250	2.625	3.000
APR:	4.231	3.434	4.147	3.518	2.723	3.100
	4.250	3.375			2.750
APR:	4.338	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.625	4.250	3.375
APR:	4.483	3.811	4.398	3.643
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	2.875	3.375
>$417K	4.250	3.500			3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.250	3.125	3.625
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.125	3.250	4.000	3.250	2.625	3.125
APR:	4.231	3.434	4.147	3.518	2.723	3.225
>$417K	4.250	3.375			2.875
APR:	4.338	3.526			2.956
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.625	4.250	3.375
APR:	4.483	3.811	4.398	3.643
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	3.125	3.625
>$417K	4.250	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.500	4.125	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.125	3.250	4.000	3.250	2.625	3.000
APR:	4.231	3.434	4.147	3.518	2.723	3.100
>$417K	4.125	3.375			2.750
APR:	4.212	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.625	4.250	3.375
APR:	4.357	3.811	4.398	3.643
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。