【今日房贷利率】1月19日（星期三）

方圆贷款短评：今天（1月19日星期三）的利率和昨天的基本持平，Conforming ARM的利率稍微下调，5/1 ARM Purchase到2.875%了。
*********************** CALIFORNIA ***********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.125	3.875	4.125
	5.000	4.375			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.125	4.125
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.625	3.875	2.875	3.250
APR:	4.860	4.188	4.775	4.146	2.974	3.351
	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
	5.000	4.375	4.875	4.250
APR:	5.112	4.565	5.027	4.523
*********************** MARYLAND ***********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.750	4.000	3.750	4.000
>$417K	4.875	4.250			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.625	3.875	2.875	3.250
APR:	4.860	4.188	4.775	4.146	2.974	3.351
>$417K	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
	4.875	4.250	4.875	4.250
APR:	4.986	4.439	5.027	4.523
*********************** VIRGINIA ***********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.125	4.750	4.000	3.875	4.125
>$417K	4.875	4.250			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.750	4.000	4.500	3.875	2.875	3.250
APR:	4.860	4.188	4.649	4.146	2.974	3.351
>$417K	4.875	4.125			3.500
APR:	4.966	4.280			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.875	4.250
APR:	4.986	4.439	5.027	4.523
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 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，意味着我们没法提供No Point的贷款。如果您想要知道该program的利率，请和我们联系查询。
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