注： 方圆贷款能提供以下身份的贷款：

(1) 学生仍在OPT期间，使用EAD卡工作，还没有H1B，利率与公民无异;(2) J1/J2签证，利率与公民无异;
(3) H1B Visa的Jumbo loan;
(4) 纯外国人贷款.

SUMMARY：今天（03月29日星期二)开盘时的房贷利率价格和昨日相比持平。目前重新贷款40万左右的利率，30年固定利率稳定在3.625%，15年固定利率稳定在2.875%，5/1 ARM利率稳定在3.125%。购房贷款40万左右，30年固定利率稳定在3.500%，15年固定利率稳定在2.750%，5/1 ARM利率稳定在2.625%。

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。

******************* CALIFORNIA *******************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K.
See other assumptions at the bottom of the post)

PRIMARY RESIDENCE - REGULAR REFINANCE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.625

2.875

3.500

2.750

3.125

3.375

>$417K

3.875

3.000

------

------

3.250

3.625

Jumbo

4.125

3.500

------

------

3.125

3.375

PRIMARY RESIDENCE - CASH-OUT REFINANCE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.750

3.000

3.625

3.000

3.375

3.500

>$417K

4.250

3.625

------

------

3.250

4.000

PRIMARY RESIDENCE - PURCHASE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.490

2.750

3.375

2.625

2.625

2.875

APR

3.532

2.788

3.424

2.704

2.655

2.915

>$417K

3.750

3.000

------

------

3.125

3.500

APR

3.766

2.990

------

------

3.152

3.548

Jumbo

4.000

3.375

------

------

3.000

3.250

APR

4.021

3.443

------

------

3.032

3.278

INVESTMENT PROPERTY - PURCHASE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.875

3.125

3.750

3.125

3.125

3.375

APR

3.918

3.218

3.808

3.234

3.161

3.432

******************** TEXAS ********************
(Based on Conforming Loan $200K, Jumbo Loan $500K.
See other assumptions at the bottom of the post)

PRIMARY RESIDENCE - REGULAR REFINANCE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.625

3.000

3.625

2.875

3.375

3.625

>$417K

4.500

4.375

------

------

3.375

3.750

PRIMARY RESIDENCE - CASH-OUT REFINANCE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.875

3.375

3.750

------

3.875

3.990

>$417K

4.625

4.000

4.000

------

3.375

3.625

PRIMARY RESIDENCE - PURCHASE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.500

2.625

3.375

2.625

2.625

2.875

APR

3.530

2.713

3.394

2.674

2.663

2.913

>$417K

3.875

3.375

------

------

3.000

3.125

APR

3.895

3.411

------

------

3.000

3.111

INVESTMENT PROPERTY - PURCHASE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.750

3.125

3.750

3.125

3.000

3.375

APR

3.801

3.214

3.756

3.176

3.046

3.412

******************** FLORIDA ********************
(Based on Conforming Loan $300K, High-Balance Loan $500K for FL Keywest Area only.
See other assumptions at the bottom of the post)

PRIMARY RESIDENCE - REGULAR REFINANCE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.750

3.125

3.750

3.000

3.875

3.875

>$417K

4.875

------

------

------

------

------

PRIMARY RESIDENCE - CASH-OUT REFINANCE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

4.000

3.375

3.875

3.250

------

------

>$417K

4.875

3.520

------

------

------

------

PRIMARY RESIDENCE - PURCHASE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.500

2.750

3.375

2.625

2.625

2.875

APR

3.548

2.800

3.421

2.667

2.652

2.902

>$417K

3.875

3.375

------

------

3.000

3.125

APR

3.894

3.390

------

------

3.013

3.140

INVESTMENT PROPERTY - PURCHASE:

30-Yr

15-Yr

20-Yr

10-Yr

5/1 ARM

7/1 ARM

<=$417K

3.875

3.125

3.750

3.125

3.000

3.500

APR

3.914

3.212

3.790

3.199

3.046

3.538

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: See detailed loan amounts under the State name above;
2. Loan-To-Value (LTV): 
    - <=70% 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. (not first home buyer for 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)
9. Rates are subject to change without notice. Credit qualification is required
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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。