| 短评：今天（2月3日星期三）的利率和昨天相比大体持平。购房贷款ARM利率继续上涨至3.375%了。 | ||||||
| ************** CALIFORNIA ************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.875 | 4.125 | 4.125 | ||
| 5.125 | 4.500 | |||||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.250 | 4.875 | 4.250 | |||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.125 | 4.750 | 4.000 | 3.375 | 3.625 | |
| APR: | 4.860 | 4.314 | 4.901 | 4.271 | 3.477 | 3.728 |
| 5.000 | 4.250 | 3.875 | ||||
| APR: | 5.092 | 4.405 | 3.961 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.125 | 4.500 | 5.000 | 4.375 | |||
| APR: | 5.238 | 4.691 | 5.152 | 4.648 | ||
| *************** MARYLAND *************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.875 | 4.125 | 4.250 | ||
| >$417K | 5.125 | 4.375 | ||||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.000 | 4.250 | 4.875 | 4.250 | |||
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.750 | 4.125 | 4.750 | 4.000 | 3.375 | 3.625 | |
| APR: | 4.860 | 4.314 | 4.901 | 4.271 | 3.477 | 3.728 |
| >$417K | 5.000 | 4.250 | 4.000 | |||
| APR: | 5.092 | 4.405 | 4.086 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.125 | 4.500 | 5.000 | 4.375 | |||
| APR: | 5.238 | 4.691 | 5.152 | 4.648 | ||
| *************** VIRGINIA *************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.750 | 4.125 | 4.250 | ||
| >$417K | 5.125 | 4.375 | ||||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.875 | 4.250 | 4.875 | 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 | 4.750 | 4.000 | 3.375 | 3.625 | |
| APR: | 4.860 | 4.188 | 4.901 | 4.271 | 3.477 | 3.728 |
| >$417K | 4.875 | 4.250 | 4.000 | |||
| APR: | 4.966 | 4.405 | 4.086 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 5.125 | 4.375 | 4.875 | 4.250 | |||
| APR: | 5.238 | 4.565 | 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。 | ||||||
【今日房贷利率】2月3日（星期四）
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