【今日房贷利率】4月4日（星期四）

今日房贷利率（CA、MD、VA）
SUMMARY：今天（4月4日星期四）的利率价格和昨天相比变好！如果明天劳工部将公布的3月份就业报告超出市场预期的话，利率会反弹。反之则会继续下降。目前重新贷款40万左右的利率30年固定仍维持在3.5%，15 年固定略降为2.625%，5/1 ARM略降为2.875%。购房贷款40万左右，30年固定的利率仍为3.375%，15年固定略降为2.375%，5/1 ARM略降为2.5%。
注：以下列出的利率都是带impound account的利率，其它条件请参见本帖底部参数。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.625	3.375	2.500	2.875	3.250
>$417K	3.625	2.750			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.625	3.375	2.500	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	2.375	3.250	2.375	2.500	2.875
APR:	3.477	2.555	3.393	2.639	2.597	2.974
>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.625
APR:	3.603	2.932	3.644	2.890
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.500	3.375	2.500	2.750	3.125
>$417K	3.625	2.750			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.625	2.625	3.375	2.500	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	2.375	3.250	2.375	2.500	2.875
APR:	3.477	2.555	3.393	2.639	2.597	2.974
>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.625
APR:	3.603	2.932	3.644	2.890
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.625	3.375	2.500	3.000
>$417K	3.625	2.875
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	2.625
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.375	2.375	3.250	2.375	2.500	2.875
APR:	3.477	2.555	3.393	2.639	2.597	2.974
>$417K	3.500	2.625			2.750
APR:	3.584	2.773			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	3.500	2.750	3.500	2.625
APR:	3.603	2.932	3.644	2.890
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。