【方圓貸款利率—CA、MD、VA】5月30日星期四

方圓貸款今日房貸利率（CA、MD、VA）
SUMMARY：今天（5月30日星期四）開盤時的利率價格和昨天相比稍微變好。目前重新貸款40萬左右的利率30年固定仍為3.875%，15 年固定回落至3%，5/1 ARM仍為2.875%。購房貸款40萬左右，30年固定的利率仍為3.75%，15年固定仍為2.875%，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	3.875	3.000	3.750	3.000	2.875	3.250
>$417K	4.000	3.375			3.000	3.625
Jumbo					2.875	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000	3.000
>$417K
PRIMARY RESIDENCE - 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	2.500	2.875
APR	3.827	3.009	3.732	3.071	2.571	2.948
>$417K	3.875	3.125			2.500	3.375
APR	3.940	3.239			2.560	3.438
Jumbo					2.750	3.375
APR					2.804	3.431
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.875	3.125
APR	4.083	3.395	3.990	3.336
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.000	3.750	3.000	2.875	3.250
>$417K	4.000	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000	3.000
>$417K
PRIMARY RESIDENCE - 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	2.500	2.875
APR	3.827	3.009	3.732	3.071	2.571	2.948
>$417K	3.875	3.125			2.500
APR	3.940	3.239			2.560
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.875	3.125
APR	4.083	3.395	3.990	3.336
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.000	3.750	3.000	2.875	3.250
>$417K	4.000	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.750	3.000	3.000
>$417K
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.625	2.875	2.500	2.875
APR	3.701	3.009	3.732	3.071	2.571	2.948
>$417K	3.875	3.125			2.500
APR	3.940	3.239			2.560
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	3.875	3.125
APR	4.083	3.395	3.990	3.336
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, $750K for Jumbo 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;     - <=65% for Jumbo Refi & 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。