【今日房贷利率】10月25日（星期二）

今日房贷利率（CA、MD、VA）
SUMMARY：今天（10月25日星期二）的利率价格和昨天相比稍有变好，但利率除个别program外基本持平，如重新贷款41万7以上30年固定又有no-cost的利率了。目前重新贷款41万7以下30年固定仍维持在4.000%，15 年固定仍为3.375%，5/1 ARM仍为2.875%。购房贷款41万7以下，30年固定利率仍为3.875%，15年固定仍为3.25%，5/1 ARM为2.5%。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.375	3.875	3.250	2.875	3.250
>$417K	4.250	3.625			3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.375	3.875	3.375	3.000	3.375
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.875	3.250	3.750	3.250	2.500	2.875
APR:	3.980	3.434	3.895	3.518	2.597	2.974
>$417K	4.000	3.375			2.750
APR:	4.086	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
		3.750	4.125	3.750
APR:		3.937	4.272	4.020
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.375	3.875	3.250	2.875	3.250
>$417K	4.250	3.625			3.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.375	3.875	3.375	3.000	3.375
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.875	3.250	3.750	3.250	2.625	2.875
APR:	3.980	3.434	3.895	3.518	2.723	2.974
>$417K	4.000	3.375			2.750
APR:	4.086	3.526			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
			4.125
APR:			4.272
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.375	3.875	3.250	3.000	3.375
>$417K	4.250	3.625			3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.375	3.875	3.375	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.875	3.250	3.750	3.250	2.500	2.875
APR:	3.980	3.434	3.895	3.518	2.597	2.974
>$417K	4.000	3.375			2.750
APR:	4.086	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	4.000	3.625
APR:	4.483	3.811	4.147	3.895
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。