| 方圆贷款今日房贷利率（CA、FL、MD、TX、VA） | ||||||
| SUMMARY：今天（11月15日星期五）开盘时的房贷利率价格和昨日相比基本持平。目前重新贷款40万左右的利率，30年固定稳定在4.25%，15 年固定稳定在3.25%，5/1 ARM稳定在3.125%。购房贷款40万左右，30年固定的利率稳定在4.125%，15年固定稳定在3.125%，5/1 ARM稳定在2.875%。 注：除非特别说明，以下列出的利率都是基于本帖底部的贷款参数，并且是带impound account的利率。 | ||||||
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| ******************************* CALIFORNIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post) | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.125 | 3.125 | 3.625 |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.250 | 3.750 |
| Jumbo | 4.875 | 3.750 | ------ | ------ | 3.125 | 3.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.250 | 3.250 | 3.750 |
| >$417K | ------ | ------ | ------ | ------ | 3.250 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.000 | 2.875 | 3.250 |
| APR | 4.173 | 3.208 | 4.066 | 3.120 | 2.920 | 3.296 |
| >$417K | 4.250 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.317 | 3.490 | ------ | ------ | 3.062 | 3.564 |
| Jumbo | 4.750 | 3.625 | ------ | ------ | 3.000 | 3.125 |
| APR | 4.810 | 3.727 | ------ | ------ | 3.054 | 3.180 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.375 | 3.000 | 3.625 |
| APR | 4.460 | 3.521 | 4.367 | 3.587 | 3.045 | 3.672 |
| ****************************** MARYLAND ****************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.125 | 3.125 | 3.625 |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.250 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.250 | 3.500 | 4.000 |
| >$417K | ------ | ------ | ------ | ------ | 3.500 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.000 | 2.875 | 3.250 |
| APR | 4.160 | 3.185 | 4.048 | 3.087 | 2.920 | 3.296 |
| >$417K | 4.250 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.317 | 3.490 | ------ | ------ | 3.062 | 3.564 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.375 | 3.000 | 3.625 |
| APR | 4.460 | 3.521 | 4.367 | 3.587 | 3.045 | 3.672 |
| ******************************** VIRGINIA ******************************** (Based on Conforming loan $380K, High-Balance loan $550K. See other assumptions at the bottom of the post) | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.250 | 4.125 | 3.250 | 3.500 | 4.000 |
| >$417K | 4.375 | 3.500 | ------ | ------ | 3.500 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.250 | 3.500 | 4.000 |
| >$417K | ------ | ------ | ------ | ------ | 3.500 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.000 | 2.875 | 3.250 |
| APR | 4.158 | 3.183 | 4.046 | 3.084 | 2.920 | 3.296 |
| >$417K | 4.250 | 3.375 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.317 | 3.490 | ------ | ------ | 3.062 | 3.564 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.375 | 3.000 | 3.625 |
| APR | 4.460 | 3.521 | 4.367 | 3.587 | 3.045 | 3.672 |
| ******************************** TEXAS ******************************** (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.375 | 3.500 | 4.000 |
| >$417K | 4.375 | 3.375 | ------ | ------ | 3.500 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | ------ | ------ | ------ | ------ | ------ | ------ |
| >$417K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.000 | 2.875 | 3.250 |
| APR | 4.182 | 3.224 | 4.079 | 3.143 | 2.928 | 3.304 |
| >$417K | 4.250 | 3.250 | ------ | ------ | 3.000 | 3.500 |
| APR | 4.273 | 3.289 | ------ | ------ | 3.062 | 3.564 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.375 | 3.000 | 3.625 |
| APR | 4.433 | 3.474 | 4.329 | 3.519 | 3.045 | 3.672 |
| ******************************** FLORIDA ******************************** (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.250 | 3.375 | 3.500 | ------ |
| >$417K | 4.375 | 3.500 | ------ | ------ | 3.500 | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | ------ | ------ | ------ | ------ | ------ | ------ |
| >$417K | ------ | ------ | ------ | ------ | ------ | ------ |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.125 | 2.875 | 3.250 |
| APR | 4.184 | 3.226 | 4.081 | 3.272 | 2.929 | 3.306 |
| >$417K | 4.250 | 3.250 | ------ | ------ | 3.000 | ------ |
| APR | 4.274 | 3.290 | ------ | ------ | 3.062 | ------ |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.250 | 3.375 | 3.000 | 3.625 |
| APR | 4.434 | 3.477 | 4.331 | 3.523 | 3.045 | 3.672 |
| Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day. Rates above are based on the following assumptions: 1. Loan Amount: See detailed loan amounts under the State name above; 2. Loan-To-Value (LTV): - <=75% for Primary Residence Conforming Refinance & Purchase; - <=70% for Primary Residence Conforming Cash-Out Refinance; - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%); - <=65% for Primary Residence Super-Conforming Cash-Out Refinance; - <=75% for Investment Property Conforming Purchase; - <=65% for Jumbo Refi & Purchase. 3. Primary Residence (except specified); 4. Single Family Residence; 5. Credit score>=740; 6. With Impound/Escrow Account; 7. 30-day lock; 8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based) 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。 | ||||||
