【方圓貸款利率—CA、MD、VA】5月20日星期一

今日房貸利率（CA、MD、VA）
SUMMARY：今天（5月20日星期一）開盤時的利率價格和上星期五相比基本持平，但房貸二級市場的拋售導致lender發布利率更新，利率價格變差！目前重新貸款40萬左右的利率30年固定仍能勉強維持在3.625%，15 年固定仍為2.75%，5/1 ARM仍為2.875%。購房貸款40萬左右，30年固定的利率仍為3.5%，15年固定略漲至2.625%，5/1 ARM仍為2.5%。 注：以下列出的利率都是帶impound account的利率，其它條件請參見本帖底部參數。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.750	3.500	2.750	2.875	3.250
>$417K	3.750	3.000			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.500	2.875
APR:	3.603	2.806	3.518	2.764	2.597	2.974
>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.625	2.875
APR:	3.854	3.057	3.770	3.141
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.750	3.500	2.625	2.750	3.125
>$417K	3.750	3.000			3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.500	2.750	2.875	3.250
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.500	2.875
APR:	3.603	2.806	3.518	2.764	2.597	2.974
>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.625	2.875
APR:	3.854	3.057	3.770	3.141
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.625	2.750	3.000
>$417K	3.750	3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.625	2.875
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.500	2.875
APR:	3.603	2.806	3.518	2.764	2.597	2.974
>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.625	2.875
APR:	3.854	3.057	3.770	3.141
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; 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;     - <=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>=760; 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。