【方圆贷款利率—CA、MD、VA、TX、FL】1月20日星期一

方圆贷款今日房贷利率（CA、FL、MD、TX、VA）
SUMMARY：今天（1月20日星期一）开盘时的房贷利率价格和上周相比基本持平（今天为马丁路德日，除个别lender外，大部分lender不更新利率；所以部分利率仍维持在上周五水准）。目前重新贷款40万左右的利率，30年固定稳定在4.375%，15 年固定稳定在3.375%，5/1 ARM稳定在3.25%。购房贷款40万左右，30年固定的利率稳定在4.25%，15年固定稳定在3.25%，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
	4.375	3.375	4.250	3.375	3.250	3.750
>$417K	4.500	3.500	------	------	3..375	3.750
Jumbo	4.875	3.750	------	------	3.625	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.500	4.250	3.375	3.375	3.875
>$417K	------	------	------	------	3.375	3.875
PRIMARY RESIDENCE - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.250	3.250	4.125	3.250	2.875	3.375
APR	4.298	3.333	4.191	3.371	2.920	3.421
>$417K	4.375	3.375	------	------	3.250	3.625
APR	4.442	3.490	------	------	3.313	3.689
Jumbo	4.625	3.625	------	------	3.500	3.625
APR	4.685	3.727	------	------	3.556	3.681
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.500	4.375	3.500	3.250	3.875
APR	4.586	3.646	4.492	3.712	3.296	3.922
****************************** 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
	4.375	3.375	4.250	3.375	3.250	3.750
>$417K	4.500	3.500	------	------	3..375	3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.375	3.500	4.250	3.375	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
	4.250	3.250	4.125	3.250	2.875	3.375
APR	4.285	3.310	4.173	3.337	2.907	3.421
>$417K	4.375	3.375	------	------	3.250	3.625
APR	4.442	3.490	------	------	3.313	3.689
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.500	4.375	3.500	3.250	3.875
APR	4.586	3.646	4.492	3.712	3.296	3.922
******************************** 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
	4.375	3.500	4.250	3.375	3.500	4.000
>$417K	4.500	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
	4.500	3.500	4.375	3.375	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
	4.250	3.250	4.125	3.250	2.875	3.375
APR	4.284	3.308	4.171	3.334	2.907	3.421
>$417K	4.375	3.375	------	------	3.250	3.625
APR	4.442	3.490	------	------	3.313	3.689
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.500	4.375	3.500	3.250	3.875
APR	4.586	3.646	4.492	3.712	3.296	3.922
******************************** 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
	4.500	3.500	4.375	3.375	3.375	3.875
>$417K	4.500	3.500	------	------	3.375	3.875
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
	4.250	3.250	4.125	3.125	2.875	3.500
APR	4.307	3.349	4.204	3.268	2.928	3.546
>$417K	4.375	3.375	------	------	3.250	3.625
APR	4.398	3.415	------	------	3.313	3.689
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.500	4.375	3.500	3.250	3.875
APR	4.558	3.600	4.455	3.644	3.296	3.922
******************************** 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
	4.500	3.500	4.375	3.500	3.375	3.875
>$417K	4.500	3.500	------	------	3.375	3.875
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
	4.250	3.250	4.125	3.250	2.875	3.500
APR	4.309	3.351	4.206	3.397	2.929	3.546
>$417K	4.375	3.375	------	------	3.250	3.625
APR	4.399	3.416	------	------	3.313	3.689
INVESTMENT PROPERTY - PURCHASE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
	4.500	3.500	4.375	3.500	3.250	3.875
APR	4.560	3.602	4.457	3.648	3.296	3.922
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>=760; 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) 9. Rates are subject to change without notice. Credit qualification is required 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。