【今日房貸利率】1月19日（星期三）

方圓貸款短評：今天（1月19日星期三）的利率和昨天的基本持平，Conforming ARM的利率稍微下調，5/1 ARM Purchase到2.875%了。
*********************** 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	3.875	4.125
<=$729K	5.000	4.375			4.125
REFINANCE CASH-OUT 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
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	2.875	3.250
APR:	4.860	4.188	4.775	4.146	2.974	3.351
<=$729K	4.875	4.250			3.500
APR:	4.966	4.405			3.584
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	4.750	4.125	4.750	4.000	3.750	4.000
>$417K	4.875	4.250			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.750	4.125
>$417K
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	2.875	3.250
APR:	4.860	4.188	4.775	4.146	2.974	3.351
>$417K	4.875	4.250			3.500
APR:	4.966	4.405			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.250
APR:	4.986	4.439	5.027	4.523
*********************** VIRGINIA ***********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.750	4.000	3.875	4.125
>$417K	4.875	4.250			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.750	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.000	4.500	3.875	2.875	3.250
APR:	4.860	4.188	4.649	4.146	2.974	3.351
>$417K	4.875	4.125			3.500
APR:	4.966	4.280			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.250
APR:	4.986	4.439	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. 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.
注：以上凡是沒有表明利率的loan program，意味著我們沒法提供No Point的貸款。如果您想要知道該program的利率，請和我們聯係查詢。
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