【方圓貸款利率—CA、MD、VA、TX、FL】12月02日星期一

方圓貸款今日房貸利率（CA、FL、MD、TX、VA）
SUMMARY：今天（12月02日星期一）開盤時的房貸利率價格和上周相比持平。目前重新貸款40萬左右的利率，30年固定穩定在4.375%，15 年固定穩定在3.375%，5/1 ARM穩定在3.125%。購房貸款40萬左右，30年固定的利率穩定在4.25%，15年固定穩定在3.25%，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	4.375	3.375	4.250	3.250	3.125	3.625
>$417K	4.500	3.500	------	------	3.125	3.375
Jumbo	4.875	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	4.500	3.375	4.250	3.375	3.125	3.750
>$417K	------	------	------	------	3.125	3.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.250	4.125	3.250	2.750	3.250
APR	4.298	3.333	4.191	3.371	2.794	3.296
>$417K	4.500	3.500	------	------	2.875	3.250
APR	4.568	3.564	------	------	2.937	3.313
Jumbo	4.750	3.625	------	------	3.125	3.250
APR	4.810	3.727	------	------	3.180	3.305
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.500	3.500	2.875	3.625
APR	4.586	3.646	4.618	3.712	2.920	3.672
****************************** 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	4.375	3.375	4.250	3.250	3.125	3.625
>$417K	4.500	3.500	------	------	3.125	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.375	4.250	3.375	3.250	3.750
>$417K	------	------	------	------	3.250	3.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.250	4.125	3.250	2.750	3.250
APR	4.285	3.310	4.173	3.337	2.794	3.296
>$417K	4.500	3.500	------	------	2.875	3.250
APR	4.568	3.564	------	------	2.937	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.500	3.500	2.875	3.625
APR	4.586	3.646	4.618	3.712	2.920	3.672
******************************** 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	4.375	3.375	4.250	3.375	3.250	3.750
>$417K	4.500	3.500	------	------	3.250	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.375	3.250	3.750
>$417K	------	------	------	------	3.250	3.500
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.250	3.250	4.125	3.250	2.750	3.250
APR	4.284	3.308	4.171	3.334	2.794	3.296
>$417K	4.500	3.500	------	------	2.875	3.250
APR	4.568	3.564	------	------	2.937	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.500	3.500	2.875	3.625
APR	4.586	3.646	4.618	3.712	2.920	3.672
******************************** 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	4.625	3.500	------	------	3.250	3.750
>$417K	4.500	3.500	------	------	3.250	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	4.250	3.250	4.125	3.250	3.375	3.750
APR	4.307	3.349	4.204	3.394	3.430	3.806
>$417K	4.500	3.500	------	------	2.875	3.250
APR	4.568	3.564	------	------	2.937	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.500	3.500	2.875	3.625
APR	4.586	3.672	4.549	3.600	2.920	3.672
******************************** 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	4.750	3.625	4.375	3.375	3.250	------
>$417K	4.500	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	4.375	3.375	4.250	3.250	3.375	3.750
APR	4.434	3.477	4.331	3.397	3.431	3.807
>$417K	4.500	3.500	------	------	2.875	------
APR	4.568	3.564	------	------	2.937	------
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.500	3.500	2.875	3.625
APR	4.586	3.672	4.549	3.600	2.920	3.672
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):      - <=70% 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. (not first home buyer for purchase) 3. Primary Residence (except specified); 4. Single Family Residence; 5. Credit score>=760; 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。