12月3日（星期五）加州、马里兰贷款利率

SUMMARY: 今天的利率和昨天收盘时持平。
************************* CALIFORNIA *************************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.875	3.625	3.875
<=$729K	4.750	4.250			3.750
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.625	4.000	3.750
<=$729K
PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.875	4.375	3.750	2.875	3.250
APR:	4.609	4.062	4.524	4.020	2.974	3.351
<=$729K	4.750	4.125			3.375
APR:	4.840	4.280			3.458
************************* MARYLAND *************************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.875	3.500	3.750
<=$729K	4.750	4.125			3.750
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	4.000	4.500	3.875	3.750
<=$729K
PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.750	4.375	3.750	2.875	3.250
APR:	4.609	3.937	4.524	4.020	2.974	3.351
<=$729K	4.750	4.125			3.375
APR:	4.840	4.280			3.458
Rates above are based on the following assumptions: 1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans; 2. Loan-To-Value (LTV):   - <=80% for Conforming Refinance and Purchase;  - <=70% for Conforming Cash-Out Refinance;  - <=75% for Super-Conforming Refinance and Purchase;  - <=65% for Super-Conforming Cash-Out Refinance. 3. Primary Residence; 4. Single Family Residence; 5. Credit score>=740; 6. No Impound/Escrow Account. For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.

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