【今日房貸利率】2月9日（星期三）

短評：今天（2月9日星期三）<$417K的購房貸款30年固定利率還是維持在5.000%，而5/1 ARM的利率降到3.375%了！
********************** CALIFORNIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250	4.125
<=$729K	5.250	4.625
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.500	5.125	4.375
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.250	4.875	4.250	3.375	3.750
APR:	5.112	4.439	5.027	4.523	3.477	3.854
<=$729K	5.250	4.500			3.875
APR:	5.343	4.656			3.961
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.625	5.250	4.500
APR:	5.364	4.816	5.404	4.774
********************** MARYLAND **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250	4.250
>$417K	5.250	4.625
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.500	5.125	4.375
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.250	4.875	4.125	3.375	3.750
APR:	5.112	4.439	5.027	4.397	3.477	3.854
>$417K	5.250	4.500			4.000
APR:	5.343	4.656			4.086
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.625	5.250	4.500
APR:	5.364	4.816	5.404	4.774
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250	4.250
>$417K	5.250	4.625
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.500	5.000	4.375
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125	3.375	3.750
APR:	4.986	4.439	5.027	4.397	3.477	3.854
>$417K	5.125	4.500			4.000
APR:	5.217	4.656			4.086
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.625	5.125	4.500
APR:	5.364	4.816	5.278	4.774
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，意味著該program做不了no point的貸款，需要收point才能做。
**************************************************** 方圓貸款目前可以從事馬裏蘭、維吉尼亞、加利福尼亞、佛羅裏達州等四州的貸款業務。查詢當前最新利率，請電949-829-3863或發email至[e-mail]。