正文
| 短评：今天（2月15日星期二）的固定利率和昨天相比持平。小于41万7的购房贷款5/1 ARM的利率继续下降，到2.875%了！ | ||||||
| ********************** CALIFORNIA ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.000 | 4.250 | 4.875 | 4.250 | 3.625 | 4.000 |
| <=$729K | 5.250 | 4.500 | 4.000 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.000 | 4.375 | 4.875 | 4.250 | 3.875 | 4.250 |
| <=$729K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.875 | 4.250 | 4.750 | 4.125 | 2.875 | 3.375 |
| APR: | 4.986 | 4.439 | 4.901 | 4.397 | 2.974 | 3.477 |
| <=$729K | 5.000 | 4.375 | 3.375 | |||
| APR: | 5.092 | 4.531 | 3.458 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.250 | 4.500 | 5.125 | 4.375 | ||
| APR: | 5.364 | 4.691 | 5.278 | 4.648 | ||
| ********************** MARYLAND ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.000 | 4.250 | 4.875 | 4.250 | 3.750 | 4.125 |
| >$417K | 5.250 | 4.500 | 4.000 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.000 | 4.375 | 4.875 | 4.250 | 4.000 | |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.875 | 4.125 | 4.750 | 4.125 | 2.875 | 3.375 |
| APR: | 4.986 | 4.314 | 4.901 | 4.397 | 2.974 | 3.477 |
| >$417K | 5.000 | 4.375 | 3.500 | |||
| APR: | 5.092 | 4.531 | 3.584 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.250 | 4.500 | 5.000 | 4.375 | ||
| APR: | 5.364 | 4.691 | 5.152 | 4.648 | ||
| ********************** VIRGINIA ********************** | ||||||
| REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.000 | 4.250 | 4.875 | 4.250 | 3.750 | 4.125 |
| >$417K | 5.250 | 4.500 | 4.125 | |||
| REFINANCE CASH-OUT RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.000 | 4.375 | 4.875 | 4.250 | 4.000 | |
| >$417K | ||||||
| PURCHASE RATE - PRIMARY RESIDENCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.875 | 4.125 | 4.750 | 4.000 | 2.875 | 3.375 |
| APR: | 4.986 | 4.314 | 4.901 | 4.271 | 2.974 | 3.477 |
| >$417K | 5.000 | 4.375 | 3.500 | |||
| APR: | 5.092 | 4.531 | 3.584 | |||
| PURCHASE RATE - INVESTMENT PROPERTY: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 5.250 | 4.500 | 5.000 | 4.375 | ||
| APR: | 5.364 | 4.691 | 5.152 | 4.648 | ||
| Rates above are based on the following assumptions: 1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans; 2. Loan-To-Value (LTV): - <=80% for Primary Residence Conforming Purchase & Refinance; - <=70% for Primary Residence Conforming Cash-Out Refinance; - <=75% for Primary Residence Super-Conforming Refinance and Purchase; - <=65% for Primary Residence Super-Conforming Cash-Out Refinance; - <=75% for Investment Property Conforming Purchase. 3. Primary Residence except specified; 4. Single Family Residence; 5. Credit score>=740; 6. No Impound/Escrow Account. 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。 | ||||||
| **************************************************** 方圆贷款目前可以从事马里兰、维吉尼亚、加利福尼亚、佛罗里达州等四州的贷款业务。查询当前最新利率，请电949-829-3863或发email至[email protected]。 | ||||||
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