【方圆贷款利率—CA、MD、VA、TX、FL】01月15日星期四

 

方圆贷款今日房贷利率（CA、FL、MD、TX、VA）
SUMMARY：今天（1月15日星期四）的房贷利率价格受欧洲影响，和昨天相比继续变好！目前重新贷款40万左右的利率，30年固定维持在3.5%，15 年固定降至2.75%，5/1 ARM仍为2.625%。购房贷款40万左右，30年固定的利率仍为3.5%，15年固定仍为2.75%，5/1 ARM仍为2.5%。

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 3.500 2.750 3.375 2.750 2.625 3.000
>$417K 3.625 3.000 ------ ------ 3.000 3.250
Jumbo 4.250 3.375 ------ ------ 2.875 3.000
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.500 2.750 2.750 3.000
>$417K 4.125 3.500 3.875 ------ 3.250 3.625
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 2.500 2.750
APR 3.546 2.832 3.440 2.744 2.544 2.794
             
>$417K 3.500 2.875 3.375 2.750 2.500 2.750
APR 3.564 2.989 3.440 2.870 2.544 2.794
             
Jumbo 4.125 3.250 ------ ------ 2.750 3.000
APR 4.183 3.351 ------ ------ 2.804 3.054
                                           
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.375 3.500
APR 3.707 3.144 3.614 3.085 3.405 3.531
 
****************************** 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 3.500 2.750 3.375 2.750 2.625 3.000
>$417K 3.625 3.000 ------ ------ 2.750 3.000
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.500 2.750 2.750 3.000
>$417K 3.625 3.000 3.500 2.875 3.125 3.375
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 2.500 2.750
APR 3.533 2.809 3.422 2.711 2.532 2.782
             
>$417K 3.500 2.875 3.375 3.000 2.750 3.125
APR 3.564 2.817 3.393 2.968 2.768 3.133
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.375 3.500
APR 3.707 3.144 3.614 3.085 3.405 3.531
 
******************************** 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 3.500 2.875 3.500 2.750 2.750 3.000
>$417K 3.625 3.000 3.500 3.125 3.125 3.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.500 2.875 3.000 3.250
>$417K 4.125 3.625 4.000 ------ 3.875 3.750
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.375 2.625 2.500 2.750
APR 3.407 2.807 3.420 2.708 2.531 2.781
             
>$417K 3.500 2.875 ------ ------ 2.750 3.125
APR 3.564 2.989 ------ ------ 2.768 3.137
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.375 3.500
APR 3.707 3.144 3.614 3.085 3.377 3.503
 
******************************** 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 3.625 3.000 3.500 2.875 3.000 3.250
>$417K 3.625 3.000 ------ ------ ------ ------
             
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 3.375 2.750 3.375 2.625 2.500 2.875
APR 3.430 2.848 3.452 2.767 2.552 2.928
             
>$417K 3.500 2.875 ------ ------ 3.125 3.250
APR 3.522 2.914 ------ ------ 3.135 3.270
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.250 3.375
APR 3.680 3.098 3.577 3.143 3.288 3.420
             
******************************** 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 3.750 3.125 3.625 3.000 3.500 3.500
>$417K 3.625 3.000 ------ ------ ------ ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 3.625 3.625
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 2.500 2.875
APR 3.556 2.850 3.454 2.896 2.553 2.929
             
>$417K 3.500 2.875 ------ ------ ------ ------
APR 3.523 2.915 ------ ------ ------ ------
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.375 3.500
APR 3.682 3.101 3.579 3.147 3.404 3.527
             
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。

方圆贷款NMLS ID: 231959
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