方圓貸款今日房貸利率(CA、MD、VA) |
SUMMARY:今天(8月21日星期三)開盤時的房貸利率價格和昨日相比基本持平。目前重新貸款40萬左右的利率,30年固定穩定在4.5%,15年固定穩定在3.5%,5/1 ARM維持在3.625%。購房貸款40萬左右,30年固定的利上漲至4.5%,15年固定穩定在3.375%,5/1 ARM穩定在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。 |
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******************************* CALIFORNIA ******************************* |
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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 | 3.625 | 4.125 |
>$417K | 4.625 | 3.750 | ------ | ------ | 3.875 | 4.250 |
Jumbo | ------ | ------ | ------ | ------ | 3.375 | 3.500 |
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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 | 3.750 | 4.125 |
>$417K | ------ | ------ | ------ | ------ | 3.875 | ------ |
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PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.375 | 4.375 | 3.375 | 3.250 | 3.750 |
APR | 4.580 | 3.511 | 4.485 | 3.573 | 3.325 | 3.827 |
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>$417K | 4.625 | 3.625 | ------ | ------ | 3.625 | 4.000 |
APR | 4.693 | 3.741 | ------ | ------ | 3.689 | 4.066 |
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Jumbo | ------ | ------ | ------ | ------ | 3.250 | 3.375 |
APR | ------ | ------ | ------ | ------ | 3.305 | 3.431 |
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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 | 3.625 | 4.375 |
APR | 4.711 | 3.897 | 4.618 | 3.838 | 3.701 | 4.455 |
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******************************** MARYLAND ******************************** |
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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 | 3.625 | 4.125 |
>$417K | 4.625 | 3.750 | ------ | ------ | 3.875 | 4.250 |
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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 | 3.875 | 4.250 |
>$417K | ------ | ------ | ------ | ------ | 4.000 | ------ |
| | | | | | |
PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.375 | 4.375 | 3.375 | 3.250 | 3.750 |
APR | 4.580 | 3.511 | 4.485 | 3.573 | 3.325 | 3.827 |
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>$417K | 4.625 | 3.625 | ------ | ------ | 3.625 | 4.000 |
APR | 4.693 | 3.741 | ------ | ------ | 3.689 | 4.066 |
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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 | 3.625 | 4.375 |
APR | 4.711 | 3.897 | 4.618 | 3.838 | 3.701 | 4.455 |
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******************************** VIRGINIA ******************************** |
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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 | 3.750 | 4.250 |
>$417K | 4.750 | 3.875 | ------ | ------ | 4.000 | 4.750 |
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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 | 3.875 | 4.375 |
>$417K | ------ | ------ | ------ | ------ | 4.000 | 3.325 |
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PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.375 | 4.375 | 3.375 | 3.250 | 3.750 |
APR | 4.455 | 3.511 | 4.485 | 3.573 | 3.827 | 3.827 |
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>$417K | 4.625 | 3.625 | ------ | ------ | 3.625 | 4.375 |
APR | 4.693 | 3.741 | ------ | ------ | 3.689 | 4.442 |
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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 | 3.625 | 4.375 |
APR | 4.711 | 3.897 | 4.618 | 3.838 | 3.701 | 4.455 |
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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。 |