| 方圆贷款今日房贷利率（CA、MD、VA） |
SUMMARY：今天（6月3日星期一）开盘时的利率价格和上星期五相比稍微变好。目前重新贷款40万左右的利率30年固定仍为3.875%，15 年固定仍为3%，5/1 ARM仍为2.875%。购房贷款40万左右，30年固定的利率仍为3.75%，15年固定仍为2.875%，5/1 ARM仍为2.5%。
注：以下列出的利率都是带impound account的利率，其它条件请参见本帖底部参数。 |
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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 | 3.875 | 3.000 | 3.750 | 3.000 | 2.875 | 3.250 |
| >$417K | 4.000 | 3.250 | | | 3.000 | 3.625 |
| Jumbo | | | | | 2.875 | 3.500 |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.000 | |
| >$417K | | | | | | |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.750 | 2.500 | 2.875 |
| APR | 3.827 | 3.009 | 3.732 | 2.946 | 2.571 | 2.948 |
| | | | | | | |
| >$417K | 4.000 | 3.125 | | | 2.500 | 3.375 |
| APR | 4.066 | 3.239 | | | 2.560 | 3.438 |
| | | | | | | |
| Jumbo | | | | | 2.750 | 3.375 |
| APR | | | | | 2.804 | 3.431 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | | |
| APR | 4.083 | 3.270 | 3.990 | 3.336 | | |
| | | | | | | |
| ********************** MARYLAND ********************** | |
| | | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.875 | 3.250 |
| >$417K | 4.000 | 3.250 | | | | |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 3.000 | |
| >$417K | | | | | | |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.750 | 2.500 | 2.875 |
| APR | 3.827 | 3.009 | 3.732 | 2.946 | 2.571 | 2.948 |
| | | | | | | |
| >$417K | 4.000 | 3.125 | | | 2.500 | |
| APR | 4.066 | 3.239 | | | 2.560 | |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | | |
| APR | 4.083 | 3.270 | 3.990 | 3.336 | | |
| | | | | | | |
| ********************** VIRGINIA ********************** | |
| | | | | | | |
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.875 | 3.000 | 3.750 | 3.000 | 2.875 | 3.250 |
| >$417K | 4.000 | 3.250 | | | | |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.000 | 3.000 | 3.750 | 3.000 | 3.000 | |
| >$417K | | | | | | |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 3.750 | 2.875 | 3.625 | 2.750 | 2.500 | 2.875 |
| APR | 3.827 | 3.009 | 3.732 | 2.946 | 2.571 | 2.948 |
| | | | | | | |
| >$417K | 3.875 | 3.125 | | | 2.500 | |
| APR | 3.940 | 3.239 | | | 2.560 | |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE RATE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.000 | 3.125 | 3.875 | 3.125 | | |
| APR | 4.083 | 3.270 | 3.990 | 3.336 | | |
| | | | | | | |
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;
- <=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>=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：以上凡是没有表明利率的loan program，意味着该program做不了no point的贷款，需要收point才能做。 |
