【方圓貸款利率—CA、MD、VA】7月8日星期一

方圓貸款今日房貸利率（CA、MD、VA）
SUMMARY：今天（7月8日星期一）開盤時房貸二級市場打包貸款債券的價格回升，導致相應的房貸利率價格變好。目前重新貸款40萬左右的利率，30年固定仍維持在4.5%，15 年固定仍為3.5%，5/1 ARM仍為3.5%。購房貸款40萬左右，30年固定的利率回落至4.375%，15年固定仍為3.375%，5/1 ARM仍為3.25%。 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	4.500
>$417K	4.625	3.750	------	------	3.375	4.375
Jumbo	5.750	------	------	------	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	4.375	3.375	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	4.375	3.375	4.250	3.250	3.250	4.250
APR	4.455	3.511	4.359	3.447	3.330	4.329
>$417K	4.625	3.500	------	------	3.250	4.250
APR	4.693	3.616	------	------	3.313	4.317
Jumbo	5.625	------	------	------	3.250	4.125
APR	5.689	------	------	------	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	3.625	4.500	3.500	3.250	4.250
APR	4.711	3.772	4.618	3.712	3.313	4.317
******************************** 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	4.500
>$417K	4.625	3.750	------	------	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	4.375	3.375	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	3.250	4.250
APR	4.455	3.511	4.359	3.447	3.325	4.329
>$417K	4.625	3.500	------	------	3.250	4.250
APR	4.693	3.616	------	------	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	3.625	4.500	3.500	3.250	4.250
APR	4.711	3.772	4.618	3.712	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	4.625	3.750	------	------	3.625	4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.500	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	3.250	4.250
APR	4.455	3.511	4.359	3.447	3.325	4.329
>$417K	4.500	3.500	------	------	3.250	4.250
APR	4.568	3.616	------	------	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	3.625	4.500	3.500	3.250	4.250
APR	4.711	3.772	4.618	3.712	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。