| 方圆贷款今日房贷利率（CA、FL、MD、TX、VA） |
SUMMARY：今天（11月12日星期二）开盘时的房贷利率价格和昨日相比基本持平。目前重新贷款40万左右的利率，30年固定稳定在4.25%，15 年固定稳定在3.25%，5/1 ARM回落至3.125%。购房贷款40万左右，30年固定的利率稳定在4.25%，15年固定稳定在3.250%，5/1 ARM稳定在2.875%。
注：除非特别说明，以下列出的利率都是基于本帖底部的贷款参数，并且是带impound account的利率。 |
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******************************* 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 | 4.500 | 3.500 | ------ | ------ | 3.250 | 3.750 |
| Jumbo | ------ | 4.000 | ------ | ------ | 3.250 | 3.375 |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.250 | 4.250 | 3.250 | 3.375 | 3.750 |
| >$417K | ------ | ------ | ------ | ------ | 3.375 | 3.875 |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE: | | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.125 | 2.875 | 3.250 |
| APR | 4.298 | 3.333 | 4.191 | 3.246 | 2.920 | 3.296 |
| | | | | | | |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.442 | 3.490 | ------ | ------ | 3.062 | 3.546 |
| | | | | | | |
| Jumbo | 5.000 | 3.750 | ------ | ------ | 3.125 | 3.250 |
| APR | 5.061 | 3.852 | ------ | ------ | 3.305 | 4.183 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.375 | 4.375 | 3.375 | 3.000 | 3.750 |
| APR | 4.586 | 3.521 | 4.492 | 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 | 4.500 | 3.500 | ------ | ------ | 3.250 | 3.750 |
| | | | | | | |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.375 | 3.250 | 4.250 | 3.250 | 3.500 | 3.750 |
| >$417K | ------ | ------ | ------ | ------ | 3.500 | 4.000 |
| | | | | | | |
| PRIMARY RESIDENCE - PURCHASE: | | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.125 | 2.875 | 3.250 |
| APR | 4.285 | 3.310 | 4.173 | 3.212 | 2.920 | 3.296 |
| | | | | | | |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.442 | 3.490 | ------ | ------ | 3.062 | 3.546 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.375 | 4.375 | 3.375 | 3.000 | 3.750 |
| APR | 4.586 | 3.521 | 4.492 | 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 | 4.375 | 3.375 | 4.250 | 3.250 | 3.500 | 3.750 |
| >$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 | 3.750 |
| >$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 | 3.250 | 4.125 | 3.125 | 2.875 | 3.250 |
| APR | 4.158 | 3.308 | 4.171 | 3.209 | 2.920 | 3.296 |
| | | | | | | |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.442 | 3.490 | ------ | ------ | 3.062 | 3.546 |
| | | | | | | |
| 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 | 4.460 | 3.521 | 4.492 | 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 | 4.375 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.375 | 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 | ------ | ------ | ------ | ------ | ------ | ------ |
| >$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 | 4.182 | 3.349 | 4.204 | 3.268 | 2.928 | 3.304 |
| | | | | | | |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.398 | 3.415 | ------ | ------ | 3.062 | 3.546 |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.000 | 3.750 |
| APR | 4.558 | 3.600 | 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 | 3.500 | 3.500 | ------ |
| >$417K | 4.500 | 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 | 4.250 | 3.250 | 4.125 | 3.125 | 2.875 | 3.250 |
| APR | 4.309 | 3.351 | 4.206 | 3.272 | 2.929 | 3.306 |
| | | | | | | |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.000 | ------ |
| APR | 4.399 | 3.416 | ------ | ------ | 3.062 | ------ |
| | | | | | | |
| INVESTMENT PROPERTY - PURCHASE: | | | |
| | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.000 | 3.750 |
| APR | 4.560 | 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。 |
