| 短评：今天（2月18日星期五）的利率和昨天相比，小于41万7的购房贷款中30年固定的利率没变，但15年固定及5/1 ARM的利率稍涨。 | ||||||
| ********************** 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 | 3.875 | 4.250 | |
| 5.250 | 4.500 | 4.250 | ||||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.125 | 4.375 | 5.000 | 4.250 | 4.125 | ||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.875 | 4.125 | 3.125 | 3.500 | |
| APR: | 4.986 | 4.439 | 5.027 | 4.397 | 3.225 | 3.603 |
| 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 | 4.625 | 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 | 4.000 | ||
| >$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 | |
| 5.125 | 4.375 | 5.000 | 4.250 | 4.250 | ||
| >$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 | 3.125 | 3.500 | |
| APR: | 4.986 | 4.439 | 4.901 | 4.397 | 3.225 | 3.603 |
| >$417K | 5.125 | 4.375 | 3.750 | |||
| APR: | 5.217 | 4.531 | 3.835 | |||
| 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 | 4.375 | 4.875 | 4.250 | 4.000 | ||
| >$417K | 5.250 | 4.500 | ||||
| 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 | 4.250 | ||
| >$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 | 3.125 | 3.500 | |
| APR: | 4.986 | 4.439 | 4.901 | 4.397 | 3.225 | 3.603 |
| >$417K | 5.125 | 4.375 | 3.750 | |||
| APR: | 5.217 | 4.531 | 3.835 | |||
| 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 | ||
| 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info@circlesquaremortgage.com。
