12月17日（星期五）加州、马里兰州贷款利率# Living
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SUMMARY: 今天（12月17日星期五）的利率和昨天收盘时大致持平。Conforming ARM的
利率稍差。
******************************** CALIFORNIA ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.125 4.750 4.125 3.500 3.750
APR: 4.986 4.314 4.901 4.397 3.603 3.854
<=$729K 5.000 4.375 4.125
APR: 5.092 4.531 4.212
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
<=$729K 5.250 4.500
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
<=$729K
******************************** MARYLAND ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.000 3.500 3.750
APR: 4.860 4.314 4.901 4.271 3.603 3.854
<=$729K 5.000 4.250 4.125
APR: 5.092 4.405 4.212
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.250
<=$729K 5.125 4.500
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
<=$729K
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 Conforming Refinance and Purchase;
- <=70% for Conforming Cash-Out Refinance;
- <=75% for Super-Conforming Refinance and Purchase;
- <=65% for Super-Conforming Cash-Out Refinance.
3. Primary Residence;
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.
利率稍差。
******************************** CALIFORNIA ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.125 4.750 4.125 3.500 3.750
APR: 4.986 4.314 4.901 4.397 3.603 3.854
<=$729K 5.000 4.375 4.125
APR: 5.092 4.531 4.212
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
<=$729K 5.250 4.500
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
<=$729K
******************************** MARYLAND ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.000 3.500 3.750
APR: 4.860 4.314 4.901 4.271 3.603 3.854
<=$729K 5.000 4.250 4.125
APR: 5.092 4.405 4.212
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.250
<=$729K 5.125 4.500
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
<=$729K
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 Conforming Refinance and Purchase;
- <=70% for Conforming Cash-Out Refinance;
- <=75% for Super-Conforming Refinance and Purchase;
- <=65% for Super-Conforming Cash-Out Refinance.
3. Primary Residence;
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.
