【今日房贷利率】2月14日（星期一）

短评：今天（2月14日星期一）利率和上星期相比稍降。小于41万7的购房贷款5/1 ARM的利率降到3.000%了。一直在苦等锁定利率机会的网友们这次可要抓住喔！ Happy Valentine's Day!
********************** CALIFORNIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.375	4.875	4.250	3.750	4.125
	5.250	4.500			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.125	4.375	4.875	4.250	4.000
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.125	3.000	3.375
APR:	4.986	4.439	4.901	4.397	3.100	3.477
	5.125	4.375			3.500
APR:	5.217	4.531			3.584
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.250	4.625	5.125	4.500
APR:	5.364	4.816	5.278	4.774
********************** MARYLAND **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.375	4.875	4.250	3.875	4.250
>$417K	5.250	4.500			4.125
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.125	4.375	4.875	4.250	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.250	4.750	4.125	3.000	3.375
APR:	4.986	4.439	4.901	4.397	3.100	3.477
>$417K	5.125	4.375			3.625
APR:	5.217	4.531			3.710
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.250	4.500	5.125	4.375
APR:	5.364	4.691	5.278	4.648
********************** VIRGINIA **********************
REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.250	4.875	4.250	3.875	4.250
>$417K	5.250	4.500			4.250
REFINANCE CASH-OUT RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.000	4.375	4.875	4.250	4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.875	4.125	4.750	4.125	3.000	3.375
APR:	4.986	4.314	4.901	4.397	3.100	3.477
>$417K	5.000	4.375			3.625
APR:	5.092	4.531			3.710
PURCHASE RATE - INVESTMENT PROPERTY:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	5.250	4.500	5.000	4.375
APR:	5.364	4.691	5.152	4.648
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，意味着该program做不了no point的贷款，需要收point才能做。
**************************************************** 方圆贷款目前可以从事马里兰、维吉尼亚、加利福尼亚、佛罗里达州等四州的贷款业务。查询当前最新利率，请电949-829-3863或发email至[e-mail]。