【今日房贷利率】2月21日（星期一）

短评：今天（2月21日星期一）的利率和上星期相比基本持平，小于41万7的购房贷款5/1 ARM的利率稍降，可以做到2.875%了。
******************** CALIFORNIA ********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.250	4.875	4.250	3.625	4.000
<=$729K	5.125	4.500			4.000
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.375	4.875	4.250	3.875	4.250
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.750	4.125	2.875	3.375
APR:	4.986	4.439	4.901	4.397	2.974	3.477
<=$729K	5.000	4.375			3.375
APR:	5.092	4.531			3.458
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.250	4.500	5.125	4.375
APR:	5.364	4.691	5.278	4.648
******************** MARYLAND ********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.250	4.875	4.250	3.750	4.125
>$417K	5.125	4.500			4.000
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.375	4.875	4.250	4.000
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	4.125	2.875	3.375
APR:	4.986	4.314	4.901	4.397	2.974	3.477
>$417K	5.000	4.375			3.500
APR:	5.092	4.531			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.500	5.000	4.375
APR:	5.238	4.691	5.152	4.648
******************** VIRGINIA ********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.250	4.875	4.250	3.750	4.125
>$417K	5.125	4.500			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.000	4.375	4.875	4.250	4.000
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.125	4.750	4.000	2.875	3.375
APR:	4.986	4.314	4.901	4.271	2.974	3.477
>$417K	5.000	4.375			3.500
APR:	5.092	4.531			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.500	5.000	4.375
APR:	5.238	4.691	5.152	4.648
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 Primary Residence Conforming Purchase & Refinance;  - <=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. 3. Primary Residence except specified; 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.
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。 **************************************************** 方圆贷款目前可以从事马里兰、维吉尼亚、加利福尼亚、佛罗里达州等四州的贷款业务。查询当前最新利率，请电949-829-3863或发email至[e-mail]。