【方圓貸款利率】7月1日11:30AM更新—重貸30年固定降至4.125！

方圓貸款今日房貸利率（CA、MD、VA）
11:30AM更新：今天（7月1日）開盤後由於ISM Manufacturing數據欠佳，導致房貸二級市場MBS打包證券的價格上升，相應的yield（房貸利率直接與其掛鉤）下降。各銀行隨後又相繼發出利率更新。目前重新貸款40萬左右的利率，30年固定降至4.125%，15 年固定仍為3.375%，5/1 ARM仍為3.375%。購房貸款40萬左右，30年固定的利率仍為4.125%，15年固定仍為3.125%，5/1 ARM仍為2.875%。 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:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.125	3.250	3.375	4.375
>$417K	4.375	3.500	------	------	3.250	4.250
Jumbo	------	------	------	------	3.250	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.250	3.375	4.375
>$417K	------	------	------	------	3.250	4.250
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.000	3.125	2.875	3.250
APR	4.203	3.260	4.108	3.322	2.948	3.325
>$417K	4.250	3.375	------	------	3.125	4.125
APR	4.317	3.490	------	------	3.188	4.191
Jumbo	------	------	------	------	3.250	4.125
APR	------	------	------	------	3.305	4.183
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.250	3.375	------	------
APR	4.460	3.646	4.367	3.587	------	------
******************************** MARYLAND ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.125	3.250	3.375	4.375
>$417K	4.375	3.500	------	------	3.250	4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.250	3.500	4.500
>$417K	------	------	------	------	3.500	4.500
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.000	3.125	2.875	3.250
APR	4.203	3.260	4.108	3.322	2.948	3.325
>$417K	4.250	3.375	------	------	3.125	4.125
APR	4.317	3.490	------	------	3.188	4.191
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.250	3.375	------	------
APR	4.460	3.646	4.367	3.587	------	------
******************************** VIRGINIA ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.375	3.375	4.375
>$417K	4.375	3.625	------	------	3.375	4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.375	3.500	4.500
>$417K	------	------	------	------	3.500	4.500
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.000	3.125	2.875	3.250
APR	4.203	3.260	4.108	3.322	2.948	3.325
>$417K	4.250	3.375	------	------	3.125	4.125
APR	4.317	3.490	------	------	3.188	4.191
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.250	3.375	------	------
APR	4.460	3.646	4.367	3.587	------	------
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。