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【方圆贷款利率—CA、MD、VA】7月23日星期二

(2013-07-23 10:06:00) 下一个
方圆贷款今日房贷利率（CA、MD、VA）
SUMMARY：今天（7月23日星期二）开盘时的房贷利率价格和昨日相比持平。目前重新贷款40万左右的利率，30年固定维持在4.25%，15年固定仍维持在3.375%，5/1 ARM维持在3.375%。购房贷款40万左右，30年固定的利率维持在4.125%，15年固定维持在3.25%，5/1 ARM仍维持在3.125%。

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。
******************************* CALIFORNIA *******************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.3754.250
>$417K4.3753.500------------3.3754.250
Jumbo------------------------3.2504.125
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.3754.250
>$417K------------------------3.3754.250
       
PRIMARY RESIDENCE - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.1253.1254.000
APR4.2033.3864.1083.3223.1994.078
       
>$417K4.2503.375------------3.1254.000
APR4.3173.490------------3.1884.066
       
Jumbo------4.000------------3.1254.000
APR------4.103------------3.1804.058
                                     
INVESTMENT PROPERTY - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.3753.1254.000
APR4.4603.6464.3673.5873.1994.078
 
******************************** MARYLAND ********************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.3754.250
>$417K4.3753.500------------3.3754.250
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.5004.375
>$417K------------------------3.5004.375
       
PRIMARY RESIDENCE - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.1253.1254.000
APR4.2033.3864.1083.3223.1994.078
       
>$417K4.2503.375------------3.1254.000
APR4.3173.490------------3.1884.066
       
INVESTMENT PROPERTY - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.3753.1254.000
APR4.4603.6464.3673.5873.1994.078
 
******************************** VIRGINIA ********************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.3753.5004.375
>$417K4.5003.625------------3.5004.375
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.2503.3753.5004.375
>$417K------------------------3.5004.375
       
PRIMARY RESIDENCE - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.1253.1254.000
APR4.2033.3864.1083.3223.1994.078
       
>$417K4.2503.375------------3.1254.000
APR4.3173.490------------3.1884.066
       
INVESTMENT PROPERTY - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.3753.1254.000
APR4.4603.6464.3673.5873.1994.078
       
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 (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。