【方圆贷款利率—CA、MD、VA】9月18日星期三【利率大幅好转，二次更新】

方圆贷款今日房贷利率（CA、MD、VA）
SUMMARY：今天（9月18日星期三）受市场影响，目前利率大幅变好，绝大多数program相应下跌0.125%，个别program更是下跌0.25%或更多。目前重新贷款40万左右的利率，30年固定下跌至4.375%，15年固定下跌至3.375%，5/1ARM下跌至3.375%。购房贷款40万左右，30年固定利率稳定在4.375%，15年固定下跌至3.25%，5/1ARM下跌至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-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.375	3.375	3.375	3.750
>$417K	4.500	3.625	------	------	3.500	4.000
Jumbo	5.000	------	------	------	3.500	3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.375	3.500	3.875
>$417K	4.750	------	------	------	3.500	------
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.250	4.250	3.250	3.125	3.375
APR	4.455	3.386	4.359	3.447	3.199	3.450
>$417K	4.500	3.500	------	------	3.250	3.625
APR	4.568	3.616	------	------	3.313	3.689
Jumbo	4.750	------	------	------	3.375	3.500
APR	4.810	------	------	------	3.305	4.183
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.500	3.500	3.250	4.250
APR	4.586	3.772	4.618	3.712	3.325	4.329
******************************** MARYLAND ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.375	3.375	3.375	3.750
>$417K	4.500	3.625	------	------	3.500	4.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.375	3.625	4.000
>$417K	4.750	------	------	------	3.625	------
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.250	4.250	3.250	3.125	3.375
APR	4.455	3.386	4.359	3.447	3.199	3.450
>$417K	4.500	3.500	------	------	3.250	3.625
APR	4.568	3.616	------	------	3.313	3.689
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.500	3.500	3.250	4.250
APR	4.586	3.772	4.618	3.712	3.325	4.329
******************************** VIRGINIA ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.375	3.625	4.000
>$417K	4.625	3.750	------	------	3.625	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.500	3.625	4.000
>$417K	------	------	------	------	3.625	------
PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.250	4.250	3.250	3.125	3.375
APR	4.455	3.386	4.359	3.447	3.199	3.450
>$417K	4.500	3.500	------	------	3.250	3.625
APR	4.568	3.616	------	------	3.313	3.689
INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.500	3.500	3.250	4.250
APR	4.586	3.772	4.618	3.712	3.325	4.329
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。