12月6日(星期一)加州、马里兰贷款利率

SUMMARY: 今天的利率和星期五(12月3日)收盘时持平。
************************* CALIFORNIA ************************
REFINANCE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.500 3.875 3.500 3.750
4.750 4.250     3.750  







REFINANCE CASH-OUT RATE:




30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.750 4.125 4.500 3.875 3.750  
           







PURCHASE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 3.750 4.375 3.750 2.875 3.125
APR: 4.609 3.937 4.524 4.020 2.974 3.225







4.750 4.125     3.250  
APR: 4.840 4.280     3.333  







************************* MARYLAND *************************
REFINANCE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 3.875 4.375 3.750 3.375 3.625
4.750 4.125     3.625  







REFINANCE CASH-OUT RATE:




30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.625 4.000 4.500 3.875 3.625 3.875
           







PURCHASE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.375 3.750 4.375 3.750 2.875 3.125
APR: 4.483 3.937 4.524 4.020 2.974 3.225







4.625 4.000     3.250  
APR: 4.715 4.154     3.333  







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): 
 -  -  -  - 3. Primary Residence;
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. 

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