12月6日 (星期一) 加州、馬裏蘭貸款利率 (1:07PM更新)

SUMMARY: 今早利率初次發布後，銀行又下調了兩次利率價格，重新貸款30年固定可以做到4.5%了！
************************* CALIFORNIA ************************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.875	4.375	3.750	3.250	3.500
<=$729K	4.750	4.125			3.500
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.875	3.500	3.750
<=$729K
PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.750	2.750	3.000
APR:	4.483	3.937	4.524	4.020	2.848	3.100
<=$729K	4.625	4.000			3.000
APR:	4.715	4.154			3.082
************************* MARYLAND *************************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.875	4.375	3.750	3.125	3.375
<=$729K	4.750	4.125			3.375
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.875	4.375	3.750	3.375	3.625
<=$729K
PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.750	4.375	3.750	2.750	3.000
APR:	4.483	3.937	4.524	4.020	2.848	3.100
<=$729K	4.625	4.000			3.000
APR:	4.715	4.154			3.082
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 Conforming Refinance and Purchase;  - <=70% for Conforming Cash-Out Refinance;  - <=75% for Super-Conforming Refinance and Purchase;  - <=65% for Super-Conforming Cash-Out Refinance. 3. Primary Residence; 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.