【方圆贷款利率 CA、MD、VA、TX、FL】11月15日星期五

 

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。
 
******************************* 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。
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