【今日房贷利率】6月1日星期五-重贷30年固定3.5%！

今日房贷利率（CA、MD、VA）
SUMMARY：受美国4月份就业报告远远低于预期的影响，美国股市大跌，美国库券收益率大降，导致今天（6月1日星期五）开盘时的利率价格和昨天相比进一步变好！目前加州和马里兰州的重新贷款40万左右30年固定的利率仍维持在3.625%（加impound account可以做到3.5%！），15 年固定降为2.875%，5/1 ARM仍为2.75%。购房贷款40万左右，30年固定的利率为3.5%，15年固定为2.75%，5/1 ARM仍为2.5%。 注：以下列出的利率都是without impound account的利率（其它条件请参见本帖底部参数）。如果加impound account有可能拿到更优惠的利率。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	2.875	3.500	2.875	2.750	3.000
>$417K	3.625	3.000			2.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	3.000	3.500	2.875	2.750	3.125
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.375	2.750	2.500	2.875
APR:	3.603	2.932	3.518	3.015	2.597	2.974
>$417K	3.625	2.875			2.625
APR:	3.710	3.024			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.750	3.000	3.625	3.000
APR:	3.854	3.183	3.770	3.267
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.875	3.500	2.750	2.625	3.000
>$417K	3.625	3.000			2.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	3.000	3.500	2.875	2.750	3.125
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.375	2.750	2.500	2.875
APR:	3.603	2.932	3.518	3.015	2.597	2.974
>$417K	3.625	2.875			2.625
APR:	3.710	3.024			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.750	3.125	3.625	3.000
APR:	3.854	3.309	3.770	3.267
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	3.000	3.500	2.875	2.750	3.125
>$417K	3.750	3.000			2.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	3.000	3.500	2.875	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.375	2.750	2.500	2.875
APR:	3.603	2.932	3.518	3.015	2.597	2.974
>$417K	3.500	2.875			2.625
APR:	3.584	3.024			2.705
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.750	3.125	3.625	3.000
APR:	3.854	3.309	3.770	3.267
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>=760; 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。