【方圓貸款利率—CA、MD、VA】7月5日星期五—30年固定飆漲至4.5%！

方圓貸款今日房貸利率（CA、MD、VA）
SUMMARY：由於今天（7月5日星期五）公布的6月份就業報告大大好於預期，開盤時房貸二級市場打包貸款債券的價格狂跌，導致相應的房貸利率飆升！目前重新貸款40萬左右的利率，30年固定飆升0.25%至4.5%，15 年固定漲至3.5%，5/1 ARM漲至3.5%。購房貸款40萬左右，30年固定的利率飆升0.375%至4.5%，15年固定上漲0.25%至3.375%，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	4.500	3.500	4.375	3.375	3.500	4.250
>$417K	4.625	3.750	------	------	3.375	4.375
Jumbo	------	------	------	------	3.500	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.500	3.500	3.500	4.500
>$417K	------	------	------	------	3.375	4.375
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.375	4.250	3.250	2.875	3.250
APR	4.580	3.511	4.359	3.447	2.948	3.325
>$417K	4.625	3.625	------	------	3.250	4.250
APR	4.693	3.741	------	------	3.313	4.317
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	4.625	3.750	4.500	3.625	3.250	4.250
APR	4.711	3.897	4.618	3.838	3.325	4.329
******************************** MARYLAND ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.375	3.500	4.250
>$417K	4.625	3.750	------	------	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	4.500	3.500	4.500	3.500	3.625	4.625
>$417K	------	------	------	------	3.500	4.500
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.375	4.250	3.250	2.875	3.250
APR	4.580	3.511	4.359	3.447	2.948	3.325
>$417K	4.625	3.625	------	------	3.250	4.250
APR	4.693	3.741	------	------	3.313	4.317
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.250	4.250
APR	4.711	3.897	4.618	3.838	3.325	4.329
******************************** VIRGINIA ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.500	3.500	3.625	4.625
>$417K	------	3.875	------	------	3.500	4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.625	4.500	3.500	3.625	4.625
>$417K	------	------	------	------	3.625	4.625
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.250	2.875	3.250
APR	4.455	3.511	4.359	3.447	2.948	3.325
>$417K	4.625	3.625	------	------	3.250	4.250
APR	4.693	3.741	------	------	3.313	4.317
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.250	4.250
APR	4.711	3.897	4.618	3.838	3.325	4.329
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。