【今日房贷利率】3月7日（星期一）

短评：今天（3月7日星期一）的利率和上星期相比个别program稍有下降。购房贷款30年固定微降至4.75%，5/1 ARM降至3.000%。
********************** CALIFORNIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125	3.750	4.250
<=$729K	5.125	4.375			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.250	4.000
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.750	4.000	3.000	3.500
APR:	4.860	4.314	4.901	4.271	3.100	3.603
<=$729K	4.875	4.250			3.500
APR:	4.966	4.405			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	5.000	4.250
APR:	5.238	4.565	5.152	4.523
********************** MARYLAND **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125	3.875
>$417K	5.125	4.375			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.250	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.125	4.750	4.000	3.000	3.500
APR:	4.860	4.314	4.901	4.271	3.100	3.603
>$417K	4.875	4.250			3.625
APR:	4.966	4.405			3.710
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	4.875	4.250
APR:	5.238	4.565	5.027	4.523
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.750	4.125	3.875
>$417K	5.125	4.375			4.250
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	4.250	4.875	4.125	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	4.000	4.750	3.875	3.000	3.500
APR:	4.860	4.188	4.901	4.146	3.100	3.603
>$417K	4.875	4.250			3.625
APR:	4.966	4.405			3.710
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	5.125	4.375	4.875	4.250
APR:	5.238	4.565	5.027	4.523
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; 2. Loan-To-Value (LTV):   - <=80% 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. 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]。