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【方圆贷款利率—CA、MD、VA】5月21日星期二

(2013-05-21 10:02:49) 下一个

今日房贷利率（CA、MD、VA）
SUMMARY：今天（5月21日星期二）开盘后房贷二级市场止跌上扬，现在的利率价格和昨天相比稍微变好。目前重新贷款40万左右的利率30年固定仍为3.625%，15 年固定仍为2.75%，5/1 ARM仍为2.875%。购房贷款40万左右，30年固定的利率仍为3.5%，15年固定又回落至2.625%，5/1 ARM仍为2.5%。注：以下列出的利率都是带impound account的利率，其它条件请参见本帖底部参数。

******************* CALIFORNIA *******************

PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.750	3.500	2.750	2.875	3.250
>$417K	3.750	3.000			3.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	2.875	3.250
>$417K

PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.500	2.875
APR:	3.603	2.806	3.518	2.764	2.597	2.974

>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830

INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.625	2.875
APR:	3.854	3.057	3.770	3.141

******************** MARYLAND ********************

PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.750	3.500	2.625	2.750	3.125
>$417K	3.750	3.000			3.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.500	2.750	2.875	3.250
>$417K

PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.500	2.875
APR:	3.603	2.806	3.518	2.764	2.597	2.974

>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830

INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.625	2.875
APR:	3.854	3.057	3.770	3.141

******************** VIRGINIA ********************

PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.500	2.750	3.000
>$417K	3.750	3.000

PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.625	2.875	3.625	2.875
>$417K

PRIMARY RESIDENCE - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.500	2.625	3.375	2.500	2.500	2.875
APR:	3.603	2.806	3.518	2.764	2.597	2.974

>$417K	3.625	2.875			2.750
APR:	3.710	3.024			2.830

INVESTMENT PROPERTY - PURCHASE RATE:
	30-Yr	15-Yr	20-Yr	10-Yr	5/1 ARM	7/1 ARM
<=$417K	3.750	2.875	3.625	2.875
APR:	3.854	3.057	3.770	3.141

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: $380K for Conforming loan, $550K for Super-Conforming loans; 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; - <=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>=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) 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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