【方圓貸款利率—CA、MD、VA】6月12日星期三

方圓貸款今日房貸利率（CA、MD、VA）
SUMMARY：今天（6月12日星期三）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年固定略降為3.875%，15 年固定仍為3.125%，5/1 ARM仍為2.875%。購房貸款40萬左右，30年固定的利率仍為3.875%，15年固定略降為2.875%，5/1 ARM仍為2.5%。 注：除非特別說明，以下列出的利率都是基於本帖底部的貸款參數，並且是帶impound account的利率。
********************* CALIFORNIA *********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.875	3.000	2.875	3.250
>$417K	4.125	3.375			2.875	3.250
Jumbo					3.000	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.125	3.875	3.000	3.000
>$417K
PRIMARY RESIDENCE - PURCHASE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	2.875	3.750	2.875	2.500	2.875
APR	3.952	3.009	3.857	3.071	2.571	2.948
>$417K	4.000	3.125			2.500	3.000
APR	4.066	3.239			2.560	3.062
Jumbo					2.875	3.625
APR					2.929	3.681
INVESTMENT PROPERTY - PURCHASE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	4.000	3.125
APR	4.209	3.395	4.116	3.336
********************** MARYLAND **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	3.125	3.875	3.000	2.875	3.250
>$417K	4.125	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.125	3.875	3.000	3.000
>$417K
PRIMARY RESIDENCE - PURCHASE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	2.875	3.750	2.875	2.500	2.875
APR	3.952	3.009	3.857	3.071	2.571	2.948
>$417K	4.000	3.125			2.500	3.000
APR	4.066	3.239			2.560	3.062
INVESTMENT PROPERTY - PURCHASE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	4.000	3.125
APR	4.209	3.395	4.116	3.336
********************** VIRGINIA **********************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.125	3.875	3.000	2.875	3.250
>$417K	4.125	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.125	3.875	3.000	3.000
>$417K
PRIMARY RESIDENCE - PURCHASE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.875	2.875	3.750	2.875	2.500	2.875
APR	3.952	3.009	3.857	3.071	2.571	2.948
>$417K	4.000	3.125			2.500
APR	4.066	3.239			2.560
INVESTMENT PROPERTY - PURCHASE RATE: (Following rates are based on the loan parameters listed at the bottom of this post)
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.250	4.000	3.125
APR	4.083	3.395	4.116	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 (except for 7/1 ARM which is <=70%);     - <=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>=740; 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。