【方圓貸款利率—CA、MD、VA、TX、FL】11月13日星期三

方圓貸款今日房貸利率（CA、FL、MD、TX、VA）
SUMMARY：今天（11月13日星期三）開盤時的房貸利率價格和昨日相比基本稍好。目前重新貸款40萬左右的利率，30年固定穩定在4.25%，15 年固定穩定在3.25%，5/1 ARM穩定在3.25%。購房貸款40萬左右，30年固定的利率下跌至4.125%，15年固定下跌至3.1250%，5/1 ARM穩定在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 ******************************* (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	4.250	3.250	4.125	3.250	3.125	3.625
>$417K	4.375	3.375	------	------	3.250	3.750
Jumbo	------	3.875	------	------	3.250	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.250	4.125	3.250	3.250	3.750
>$417K	------	------	------	------	3.250	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.125	3.125	2.875	3.250
APR	4.173	3.208	4.191	3.246	2.920	3.296
>$417K	4.375	3.375	------	------	3.000	3.500
APR	4.442	3.490	------	------	3.062	3.564
Jumbo	4.875	3.750	------	------	3.125	3.250
APR	4.936	3.852	------	------	3.180	3.305
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.375	3.000	3.750
APR	4.460	3.521	4.367	3.587	3.045	3.797
****************************** 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	4.250	3.250	4.125	3.250	3.125	3.625
>$417K	4.375	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	4.250	3.250	4.125	3.250	3.500	4.000
>$417K	------	------	------	------	3.500	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.125	3.125	2.875	3.250
APR	4.160	3.185	4.173	3.212	2.920	3.296
>$417K	4.375	3.375	------	------	3.000	3.500
APR	4.442	3.490	------	------	3.062	3.564
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.375	3.000	3.750
APR	4.460	3.521	4.367	3.587	3.045	3.797
******************************** 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	4.250	3.250	4.250	3.250	3.500	4.000
>$417K	4.500	3.500	------	------	3.500	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.250	3.500	4.000
>$417K	------	------	------	------	3.500	4.000
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.125	3.125	4.125	3.125	2.875	3.250
APR	4.158	3.183	4.171	3.209	2.920	3.296
>$417K	4.375	3.375	------	------	3.000	3.500
APR	4.442	3.490	------	------	3.062	3.564
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.375	3.000	3.750
APR	4.460	3.521	4.367	3.587	3.045	3.797
******************************** 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	4.375	3.375	4.250	3.375	3.500	4.000
>$417K	4.375	3.375	------	------	3.500	4.000
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	4.125	3.125	4.125	3.125	2.875	3.250
APR	4.182	3.224	4.204	3.268	2.928	3.304
>$417K	4.250	3.250	------	------	3.000	3.500
APR	4.273	3.289	------	------	3.062	3.564
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.375	3.375	3.000	3.750
APR	4.433	3.474	4.455	3.519	3.045	3.797
******************************** 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	3.500	4.375	3.375	3.500	------
>$417K	4.375	3.500	------	------	3.500	------
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	4.125	3.250	4.125	3.125	2.875	3.250
APR	4.184	3.351	4.206	3.272	2.929	3.306
>$417K	4.250	3.375	------	------	3.000	------
APR	4.274	3.416	------	------	3.062	------
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.375	3.375	3.000	3.750
APR	4.434	3.602	4.457	3.523	3.045	3.797
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。