| 方圓貸款今日房貸利率（CA、MD、VA） |
SUMMARY：今天（8月29日星期四）開盤時的房貸利率價格和昨日相比略差。目前重新貸款40萬左右的利率，30年固定維持在4.5%，15年固定上漲至3.5%，5/1 ARM上漲至3.625%。購房貸款40萬左右，30年固定利率穩定在4.375%，15年固定維持在3.375%，5/1 ARM維持在3.25%。
注：除非特別說明，以下列出的利率都是基於本帖底部的貸款參數，並且是帶impound account的利率。 |
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| ******************************* CALIFORNIA ******************************* |
| | | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.625 | 3.625 | ------ | ------ | 3.625 | 4.250 |
| Jumbo | ------ | ------ | ------ | ------ | 3.500 | 3.625 |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.750 | 4.000 |
| >$417K | ------ | ------ | ------ | ------ | 3.750 | ------ |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.250 | 3.250 | 3.625 |
| APR | 4.455 | 3.511 | 4.359 | 3.447 | 3.325 | 3.701 |
| | | | | | | |
| >$417K | 4.500 | 3.500 | ------ | ------ | 3.375 | 3.875 |
| APR | 4.568 | 3.616 | ------ | ------ | 3.483 | 3.940 |
| | | | | | | |
| Jumbo | 5.000 | ------ | ------ | ------ | 3.375 | 3.500 |
| APR | 5.061 | ------ | ------ | ------ | 3.431 | 3.556 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.500 | 3.375 | 4.375 |
| APR | 4.711 | 3.772 | 4.618 | 3.712 | 3.450 | 4.455 |
| |
| ******************************** MARYLAND ******************************** |
| | | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.625 | 3.625 | ------ | ------ | 3.625 | 4.250 |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.750 | 4.125 |
| >$417K | ------ | ------ | ------ | ------ | 3.750 | ------ |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.250 | 3.250 | 3.625 |
| APR | 4.455 | 3.511 | 4.359 | 3.447 | 3.325 | 3.701 |
| | | | | | | |
| >$417K | 4.500 | 3.500 | ------ | ------ | 3.375 | 3.875 |
| APR | 4.568 | 3.616 | ------ | ------ | 3.483 | 3.940 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.500 | 3.375 | 4.375 |
| APR | 4.711 | 3.772 | 4.618 | 3.712 | 3.450 | 4.455 |
| |
| ******************************** VIRGINIA ******************************** |
| | | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.500 | 3.750 | 4.250 |
| >$417K | 4.625 | 3.750 | ------ | ------ | 3.750 | ------ |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.500 | 3.500 | 3.750 | 4.375 |
| >$417K | ------ | ------ | ------ | ------ | 3.750 | ------ |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.250 | 3.250 | 3.875 |
| APR | 4.455 | 3.511 | 4.359 | 3.447 | 3.325 | 3.952 |
| | | | | | | |
| >$417K | 4.500 | 3.500 | ------ | ------ | 3.375 | 4.375 |
| APR | 4.568 | 3.616 | ------ | ------ | 3.438 | 4.442 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.500 | 3.375 | 4.375 |
| APR | 4.711 | 3.772 | 4.618 | 3.712 | 3.450 | 4.455 |
| | | | | | | |
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, $750K for Jumbo loans;
2. Loan-To-Value (LTV):
- <=75% for Primary Residence Conforming Refinance & Purchase;
- <=70% for Primary Residence Conforming Cash-Out Refinance;
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
- <=75% for Investment Property Conforming Purchase;
- <=65% for Jumbo Refi & Purchase.
3. Primary Residence except specified;
4. Single Family Residence;
5. Credit score>=740;
6. With 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：以上凡是沒有表明利率的loan program，意味著該program做不了no point的貸款，需要收point才能做。 |
