【方圓貸款利率—CA、MD、VA、TX、FL】01月15日星期四

 

方圓貸款今日房貸利率（CA、FL、MD、TX、VA）
SUMMARY：今天（1月15日星期四）的房貸利率價格受歐洲影響，和昨天相比繼續變好！目前重新貸款40萬左右的利率，30年固定維持在3.5%，15 年固定降至2.75%，5/1 ARM仍為2.625%。購房貸款40萬左右，30年固定的利率仍為3.5%，15年固定仍為2.75%，5/1 ARM仍為2.5%。 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	3.500	2.750	3.375	2.750	2.625	3.000
>$417K	3.625	3.000	------	------	3.000	3.250
Jumbo	4.250	3.375	------	------	2.875	3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.500	2.750	2.750	3.000
>$417K	4.125	3.500	3.875	------	3.250	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625	2.500	2.750
APR	3.546	2.832	3.440	2.744	2.544	2.794
>$417K	3.500	2.875	3.375	2.750	2.500	2.750
APR	3.564	2.989	3.440	2.870	2.544	2.794
Jumbo	4.125	3.250	------	------	2.750	3.000
APR	4.183	3.351	------	------	2.804	3.054
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	3.000	3.500	2.875	3.375	3.500
APR	3.707	3.144	3.614	3.085	3.405	3.531
****************************** 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	3.500	2.750	3.375	2.750	2.625	3.000
>$417K	3.625	3.000	------	------	2.750	3.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.500	2.750	2.750	3.000
>$417K	3.625	3.000	3.500	2.875	3.125	3.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.625	2.500	2.750
APR	3.533	2.809	3.422	2.711	2.532	2.782
>$417K	3.500	2.875	3.375	3.000	2.750	3.125
APR	3.564	2.817	3.393	2.968	2.768	3.133
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	3.000	3.500	2.875	3.375	3.500
APR	3.707	3.144	3.614	3.085	3.405	3.531
******************************** 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	3.500	2.875	3.500	2.750	2.750	3.000
>$417K	3.625	3.000	3.500	3.125	3.125	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.875	3.500	2.875	3.000	3.250
>$417K	4.125	3.625	4.000	------	3.875	3.750
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.375	2.750	3.375	2.625	2.500	2.750
APR	3.407	2.807	3.420	2.708	2.531	2.781
>$417K	3.500	2.875	------	------	2.750	3.125
APR	3.564	2.989	------	------	2.768	3.137
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	3.000	3.500	2.875	3.375	3.500
APR	3.707	3.144	3.614	3.085	3.377	3.503
******************************** 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	3.625	3.000	3.500	2.875	3.000	3.250
>$417K	3.625	3.000	------	------	------	------
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	3.375	2.750	3.375	2.625	2.500	2.875
APR	3.430	2.848	3.452	2.767	2.552	2.928
>$417K	3.500	2.875	------	------	3.125	3.250
APR	3.522	2.914	------	------	3.135	3.270
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	3.000	3.500	3.000	3.250	3.375
APR	3.680	3.098	3.577	3.143	3.288	3.420
******************************** 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	3.750	3.125	3.625	3.000	3.500	3.500
>$417K	3.625	3.000	------	------	------	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	3.125	3.625	3.000	3.625	3.625
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.750	3.375	2.750	2.500	2.875
APR	3.556	2.850	3.454	2.896	2.553	2.929
>$417K	3.500	2.875	------	------	------	------
APR	3.523	2.915	------	------	------	------
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	3.000	3.500	3.000	3.375	3.500
APR	3.682	3.101	3.579	3.147	3.404	3.527
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。 方圓貸款NMLS ID: 231959