【方圓貸款利率—CA、MD、VA、TX、FL】10月31日星期四

方圓貸款今日房貸利率（CA、FL、MD、TX、VA）
SUMMARY：今天（10月31日星期四）開盤時的房貸利率價格和昨日相比變差。目前重新貸款40萬左右的利率，30年固定上漲至4.125%，15 年固定穩定在3.125%，5/1 ARM穩定在3.000%。購房貸款40萬左右，30年固定的利率穩定在4.000%，15年固定穩定在3.000%，5/1 ARM穩定在2.75%。 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 ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.000	3.125	3.000	3.500
>$417K	4.250	3.375	------	------	3.125	3.625
Jumbo	4.500	3.625	------	------	3.125	3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	4.000	3.125	3.125	3.625
>$417K	------	------	------	------	3.125	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.000	3.875	3.000	2.750	3.125
APR	4.048	3.083	3.941	3.120	2.794	3.170
>$417K	4.125	3.250	------	------	2.875	3.375
APR	4.191	3.365	------	------	2.937	3.438
Jumbo	4.500	3.375	------	------	3.000	3.125
APR	4.559	3.476	------	------	3.054	3.180
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.250	2.875	3.500
APR	4.335	3.521	4.241	3.461	2.920	3.546
****************************** MARYLAND ****************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.000	3.125	3.000	3.500
>$417K	4.250	3.375	------	------	3.125	3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	4.000	3.125	3.250	3.750
>$417K	------	------	------	------	3.250	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.000	3.875	3.000	2.750	3.125
APR	4.034	3.060	3.923	3.087	2.794	3.170
>$417K	4.125	3.250	------	------	2.875	3.375
APR	4.191	3.365	------	------	2.937	3.438
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.250	2.875	3.500
APR	4.335	3.521	4.241	3.461	2.920	3.546
******************************** VIRGINIA ******************************** (Based on Conforming loan $380K, High-Balance loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	4.000	3.125	3.250	3.750
>$417K	4.375	3.625	------	------	3.250	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.250	4.000	3.250	3.250	3.750
>$417K	------	------	------	------	3.250	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.000	3.875	3.000	2.750	3.125
APR	4.033	3.058	3.921	3.084	2.794	3.170
>$417K	4.125	3.250	------	------	2.875	3.375
APR	4.191	3.365	------	------	2.937	3.438
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.125	3.250	2.875	3.500
APR	4.209	3.521	4.241	3.461	2.920	3.546
******************************** TEXAS ******************************** (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.375	4.125	3.250	3.250	3.750
>$417K	4.125	3.375	------	------	3.250	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	------	------	------	------	------	------
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.000	3.875	3.000	2.875	3.125
APR	4.057	3.098	3.953	3.143	2.928	3.179
>$417K	4.125	3.250	------	------	2.875	3.375
APR	4.148	3.289	------	------	2.937	3.438
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.250	2.875	3.500
APR	4.307	3.474	4.204	3.394	2.920	3.546
******************************** FLORIDA ******************************** (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.125	3.375	3.250	------
>$417K	4.250	3.500	------	------	3.250	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	------	------	------	------	------	------
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.000	3.000	3.875	3.000	2.875	3.125
APR	4.058	3.101	3.955	3.147	2.929	3.180
>$417K	4.125	3.250	------	------	2.875	------
APR	4.148	3.290	------	------	2.937	------
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.375	4.125	3.375	2.875	3.500
APR	4.309	3.477	4.206	3.523	2.920	3.546
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: See detailed loan amounts under the State name above; 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。