【方圆贷款利率—CA、MD、VA、TX、FL】12月04日星期三

方圆贷款今日房贷利率（CA、FL、MD、TX、VA）
SUMMARY：今天（12月04日星期三）开盘时的房贷利率价格和昨日相比变差。目前重新贷款40万左右的利率，30年固定上涨至4.5%，15 年固定上涨至3.5%，5/1 ARM上涨至3.25%。购房贷款40万左右，30年固定的利率上涨至4.375%，15年固定上涨至3.375%，5/1 ARM上涨至2.875%。 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 ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.500	3.250	3.625
>$417K	4.500	3.625	------	------	3.125	3.500
Jumbo	------	4.000	------	------	3.250	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.500	3.125	3.750
>$417K	------	------	------	------	3.125	3.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.375	2.875	3.375
APR	4.424	3.458	4.317	3.496	2.920	3.421
>$417K	4.500	3.500	------	------	3.000	3.250
APR	4.568	3.616	------	------	3.062	3.313
Jumbo	5.000	3.875	------	------	3.125	3.250
APR	5.061	3.977	------	------	3.180	3.305
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.000	3.750
APR	4.711	3.897	4.618	3.838	3.045	3.797
****************************** MARYLAND ****************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.500	3.250	3.625
>$417K	4.500	3.625	------	------	3.125	3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.500	3.375	3.750
>$417K	------	------	------	------	3.375	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.375	2.875	3.375
APR	4.410	3.435	4.298	3.463	2.920	3.421
>$417K	4.500	3.500	------	------	3.000	3.250
APR	4.568	3.616	------	------	3.062	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.000	3.750
APR	4.711	3.897	4.618	3.838	3.045	3.797
******************************** VIRGINIA ******************************** (Based on Conforming loan $380K, High-Balance loan $550K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.500	3.375	3.750
>$417K	4.625	3.750	------	------	3.375	3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.625	4.500	3.500	3.375	3.750
>$417K	------	------	------	------	3.375	3.625
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.375	4.250	3.375	2.875	3.375
APR	4.409	3.433	4.297	3.460	2.920	3.421
>$417K	4.500	3.500	------	------	3.000	3.250
APR	4.568	3.616	------	------	3.062	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.000	3.750
APR	4.711	3.897	4.618	3.838	3.045	3.797
******************************** TEXAS ******************************** (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.750	3.625	4.375	3.500	3.375	3.750
>$417K	4.500	3.625	------	------	3.375	3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	------	------	------	------	------	------
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.375	3.500	4.375	3.375	3.125	3.500
APR	4.433	3.600	4.455	3.519	3.179	3.555
>$417K	4.500	3.500	------	------	3.000	3.250
APR	4.523	3.540	------	------	3.062	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.000	3.750
APR	4.711	3.897	4.618	3.838	3.045	3.797
******************************** FLORIDA ******************************** (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.875	3.750	4.500	3.500	3.375	------
>$417K	4.625	3.625	------	------	3.375	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	------	------	------	------	------	------
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.500	3.500	4.375	3.375	3.375	3.750
APR	4.560	3.602	4.457	3.523	3.431	3.807
>$417K	4.500	3.500	------	------	3.000	------
APR	4.524	3.541	------	------	3.062	------
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	4.625	3.750	4.500	3.625	3.000	3.750
APR	4.711	3.897	4.618	3.838	3.045	3.797
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: See detailed loan amounts under the State name above; 2. Loan-To-Value (LTV):      - <=70% 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. (not first home buyer for purchase) 3. Primary Residence (except specified); 4. Single Family Residence; 5. Credit score>=760; 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。