12月17日（星期五）加州、馬裏蘭州貸款利率（13:10更新）

SUMMARY: 今天銀行第5次下調利率價格。加州重新貸款Conforming 10年固定和20年固定利率下降。馬裏蘭州購房貸款Conforming 10、15、20年固定都稍降，5/1 ARM仍保持在3.25%的水平。
***************************** CALIFORNIA *****************************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.750	4.125	4.250
<=$729K	5.000	4.375
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.250
<=$729K	5.250	4.750
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.750	4.000	3.250	3.500
APR:	4.860	4.314	4.901	4.271	3.351	3.603
<=$729K	4.875	4.250			3.875
APR:	4.966	4.405			3.961
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.375	4.875	4.250
APR:	5.112	4.565	5.027	4.523
****************************** MARYLAND ******************************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.750	4.125	4.125
<=$729K	5.000	4.375
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.250
<=$729K	5.250	4.750
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.000	4.625	3.875	3.250	3.500
APR:	4.860	4.188	4.775	4.146	3.351	3.603
<=$729K	4.875	4.250			3.875
APR:	4.966	4.405			3.961
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.375	4.875	4.250
APR:	5.112	4.565	5.027	4.523
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):      - <=80% for Primary Residence Conforming Purchase & Refinance;     - <=70% for Primary Residence Conforming Cash-Out Refinance;     - <=75% for Primary Residence Super-Conforming Refinance and Purchase;     - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;     - <=75% for Investment Property Conforming Purchase (NEW!!!). 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.
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