正文
| 方圆贷款今日房贷利率（CA、MD、VA） | ||||||
| 11:30AM更新：今天（7月1日）开盘后由于ISM Manufacturing数据欠佳，导致房贷二级市场MBS打包证券的价格上升，相应的yield（房贷利率直接与其挂钩）下降。各银行随后又相继发出利率更新。目前重新贷款40万左右的利率，30年固定降至4.125%，15 年固定仍为3.375%，5/1 ARM仍为3.375%。购房贷款40万左右，30年固定的利率仍为4.125%，15年固定仍为3.125%，5/1 ARM仍为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。 | ||||||
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| ******************************* CALIFORNIA ******************************* | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.125 | 3.250 | 3.375 | 4.375 |
| >$417K | 4.375 | 3.500 | ------ | ------ | 3.250 | 4.250 |
| Jumbo | ------ | ------ | ------ | ------ | 3.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.250 | 3.375 | 4.375 |
| >$417K | ------ | ------ | ------ | ------ | 3.250 | 4.250 |
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.125 | 2.875 | 3.250 |
| APR | 4.203 | 3.260 | 4.108 | 3.322 | 2.948 | 3.325 |
| >$417K | 4.250 | 3.375 | ------ | ------ | 3.125 | 4.125 |
| APR | 4.317 | 3.490 | ------ | ------ | 3.188 | 4.191 |
| Jumbo | ------ | ------ | ------ | ------ | 3.250 | 4.125 |
| APR | ------ | ------ | ------ | ------ | 3.305 | 4.183 |
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.250 | 3.375 | ------ | ------ |
| APR | 4.460 | 3.646 | 4.367 | 3.587 | ------ | ------ |
| ||||||
| ******************************** MARYLAND ******************************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.125 | 3.250 | 3.375 | 4.375 |
| >$417K | 4.375 | 3.500 | ------ | ------ | 3.250 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.250 | 3.500 | 4.500 |
| >$417K | ------ | ------ | ------ | ------ | 3.500 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.125 | 2.875 | 3.250 |
| APR | 4.203 | 3.260 | 4.108 | 3.322 | 2.948 | 3.325 |
| >$417K | 4.250 | 3.375 | ------ | ------ | 3.125 | 4.125 |
| APR | 4.317 | 3.490 | ------ | ------ | 3.188 | 4.191 |
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.250 | 3.375 | ------ | ------ |
| APR | 4.460 | 3.646 | 4.367 | 3.587 | ------ | ------ |
| ||||||
| ******************************** VIRGINIA ******************************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.375 | 3.375 | 4.375 |
| >$417K | 4.375 | 3.625 | ------ | ------ | 3.375 | 4.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.375 | 4.125 | 3.375 | 3.500 | 4.500 |
| >$417K | ------ | ------ | ------ | ------ | 3.500 | 4.500 |
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.125 | 4.000 | 3.125 | 2.875 | 3.250 |
| APR | 4.203 | 3.260 | 4.108 | 3.322 | 2.948 | 3.325 |
| >$417K | 4.250 | 3.375 | ------ | ------ | 3.125 | 4.125 |
| APR | 4.317 | 3.490 | ------ | ------ | 3.188 | 4.191 |
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.500 | 4.250 | 3.375 | ------ | ------ |
| APR | 4.460 | 3.646 | 4.367 | 3.587 | ------ | ------ |
| 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, $750K for Jumbo 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 (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。 | ||||||
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