【今日房贷利率】1月25日（星期五）

今日房贷利率（CA、MD、VA）
SUMMARY：受德国经济好转信息的刺激，美国库券回报率上升，连带导致今天（1月25日星期五）的利率价格和昨天相比大幅变差！目前重新贷款40万左右的利率30年固定回涨至3.5%，15 年固定仍为2.75%，5/1 ARM仍为3%。购房贷款40万左右，30年固定的利率涨至3.375%，15年固定仍为2.5%，5/1 ARM仍为2.625%。
注：以下列出的利率都是不带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
	3.500	2.750	3.500	2.750	3.000
>$417K	3.625	3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.750
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.375	2.500	3.375	2.500	2.625	2.875
APR:	3.477	2.681	3.518	2.764	2.723	2.974
>$417K	3.625	2.875			2.875
APR:	3.710	3.024			2.956
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	2.875	3.625	2.875
APR:	3.728	3.057	3.770	3.141
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.750	2.875	3.250
>$417K	3.625	3.000			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.750	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.375	2.500	3.375	2.500	2.500	2.875
APR:	3.477	2.681	3.518	2.764	2.597	2.974
>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	2.875	3.625	2.875
APR:	3.728	3.057	3.770	3.141
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.750	3.000
>$417K	3.625	3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.750
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.250	2.500	3.250	2.500	2.500	2.875
APR:	3.351	2.681	3.393	2.764	2.597	2.974
>$417K	3.500	2.750			2.750
APR:	3.584	2.899			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.875	3.500	2.875
APR:	3.603	3.057	3.644	3.141
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; 7. 30-day lock; 8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based) 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。