正文
| 方圆贷款今日房贷利率（CA、MD、VA） | ||||||
| SUMMARY：今天（8月23日星期五）开盘时的房贷利率价格和昨日相比基本变差。目前重新贷款40万左右的利率，30年固定下跌至4.5%，15年固定稳定在3.5%，5/1 ARM下跌至3.625%。购房贷款40万左右，30年固定的利维持在4.5%，15年固定稳定在3.375%，5/1 ARM下跌至3.25%。 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 | 4.500 | 3.500 | 4.375 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.625 | 3.750 | ------ | ------ | 3.750 | 4.250 |
| Jumbo | ------ | ------ | ------ | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.500 | 4.500 | 3.500 | 3.750 | 4.000 |
| >$417K | ------ | ------ | ------ | ------ | 3.750 | ------ |
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.375 | 4.375 | 3.375 | 3.250 | 3.750 |
| APR | 4.580 | 3.511 | 4.485 | 3.573 | 3.325 | 3.827 |
| >$417K | 4.625 | 3.625 | ------ | ------ | 3.500 | 3.875 |
| APR | 4.693 | 3.741 | ------ | ------ | 3.564 | 3.940 |
| Jumbo | ------ | ------ | ------ | ------ | 3.375 | 3.500 |
| APR | ------ | ------ | ------ | ------ | 3.431 | 3.566 |
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.625 | 3.750 | 4.500 |
| APR | 4.711 | 3.772 | 4.618 | 3.838 | 3.827 | 4.580 |
| ******************************** MARYLAND ******************************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.500 | 4.375 | 3.375 | 3.625 | 3.875 |
| >$417K | 4.625 | 3.750 | ------ | ------ | 3.750 | 4.250 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.500 | 4.500 | 3.500 | 3.750 | 4.000 |
| >$417K | ------ | ------ | ------ | ------ | 3.875 | ------ |
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.375 | 4.375 | 3.375 | 3.250 | 3.750 |
| APR | 4.580 | 3.511 | 4.485 | 3.573 | 3.325 | 3.827 |
| >$417K | 4.625 | 3.625 | ------ | ------ | 3.500 | 3.875 |
| APR | 4.693 | 3.741 | ------ | ------ | 3.564 | 3.940 |
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.625 | 3.750 | 4.500 |
| APR | 4.711 | 3.772 | 4.618 | 3.838 | 3.827 | 4.580 |
| ******************************** VIRGINIA ******************************** | ||||||
| PRIMARY RESIDENCE - REGULAR REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.500 | 3.500 | 4.500 | 3.500 | 3.875 | 4.375 |
| >$417K | 4.750 | 3.875 | ------ | ------ | 3.875 | ------ |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.500 | 3.875 | 4.500 |
| >$417K | ------ | ------ | ------ | ------ | 3.875 | ------ |
| PRIMARY RESIDENCE - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.375 | 4.375 | 3.375 | 3.500 | 4.000 |
| APR | 4.455 | 3.511 | 4.485 | 3.573 | 3.576 | 4.078 |
| >$417K | 4.625 | 3.625 | ------ | ------ | 3.500 | 4.500 |
| APR | 4.693 | 3.741 | ------ | ------ | 3.564 | 4.568 |
| INVESTMENT PROPERTY - PURCHASE RATE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.625 | 3.625 | 4.500 | 3.625 | 3.500 | 4.500 |
| APR | 4.711 | 3.772 | 4.618 | 3.838 | 3.576 | 4.580 |
| 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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