【方圆贷款利率 CA、MD、VA、TX、FL】11月18日星期一

方圆贷款今日房贷利率（CA、FL、MD、TX、VA）
SUMMARY：今天（11月18日星期一）开盘时的房贷利率价格和上周相比变好。目前重新贷款40万左右的利率，30年固定下跌至4.125%，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年固定的利率下跌至4.000%，15年固定稳定在3.125%，5/1 ARM下跌至2.75%。 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
	4.125	3.250	4.000	3.125	3.125	3.500
>$417K	4.250	3.375	------	------	3.125	3.375
Jumbo	4.750	3.625	------	------	3.125	3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.125	3.250	4.125	3.125	3.250	3.625
>$417K	------	------	------	------	3.250	3.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.125	4.000	3.000	2.750	3.125
APR	4.048	3.208	4.066	3.120	2.794	3.170
>$417K	4.250	3.250	------	------	2.875	3.250
APR	4.317	3.365	------	------	2.937	3.313
Jumbo	4.500	3.500	------	------	3.000	3.125
APR	4.559	3.601	------	------	3.054	3.180
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	2.875	3.625
APR	4.335	3.521	4.241	3.461	2.920	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
	4.125	3.250	4.000	3.125	3.125	3.500
>$417K	4.250	3.375	------	------	3.125	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.125	3.250	4.125	3.125	3.250	3.625
>$417K	------	------	------	------	3.250	3.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.125	4.000	3.000	2.750	3.125
APR	4.034	3.185	4.048	3.087	2.794	3.170
>$417K	4.250	3.250	------	------	2.875	3.250
APR	4.317	3.365	------	------	2.937	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	2.875	3.625
APR	4.335	3.521	4.241	3.461	2.920	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
	4.125	3.250	4.125	3.250	3.250	3.625
>$417K	4.375	3.375	------	------	3.250	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.250	4.125	3.250	3.250	3.625
>$417K	------	------	------	------	3.250	3.375
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.125	4.000	3.000	2.750	3.125
APR	4.033	3.183	4.046	3.084	2.794	3.170
>$417K	4.125	3.250	------	------	2.875	3.250
APR	4.191	3.365	------	------	2.937	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	2.875	3.625
APR	4.335	3.521	4.241	3.461	2.920	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
	4.250	3.375	4.125	3.250	3.250	3.625
>$417K	4.250	3.375	------	------	3.250	3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	------	------	------	------	------	------
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.125	4.000	3.000	2.750	3.125
APR	4.057	3.224	4.079	3.143	2.794	3.170
>$417K	4.125	3.250	------	------	2.875	3.250
APR	4.148	3.289	------	------	2.937	3.313
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.125	3.250	2.875	3.625
APR	4.307	3.474	4.204	3.394	2.920	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
	4.375	3.375	4.250	3.375	3.250	------
>$417K	4.250	3.375	------	------	3.250	------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	------	------	------	------	------	------
>$417K	------	------	------	------	------	------
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.000	3.125	4.000	3.000	2.750	3.250
APR	4.058	3.226	4.081	3.147	2.794	3.306
>$417K	4.125	3.250	------	------	2.875	------
APR	4.148	3.290	------	------	2.937	------
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.375	4.250	3.375	2.875	3.625
APR	4.309	3.477	4.331	3.523	2.920	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):      -     -     -     -     -     - 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。