12月10日（星期五）加州貸款利率

SUMMARY: 今天（12月10日星期五）的重貸利率和昨天的基本持平。Conforming的購房貸款中30年固定、20年固定、5/1 ARM、7/1 ARM較昨天的降了。

**************************** CALIFORNIA ****************************
REFINANCE RATE:                       
                30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM  7/1 ARM
<=$417K         4.750    4.250    4.750    4.125                   
<=$729K         4.875    4.375                                       
                       
REFINANCE CASH-OUT RATE:                       
                30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM  7/1 ARM
<=$417K         4.875    4.250    4.750    4.250                   
<=$729K                                                           
                       
PURCHASE RATE:                       
                30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM  7/1 ARM
<=$417K         4.625    4.000    4.500    3.875    3.125    3.375
APR:            4.860    4.188    4.655    4.146    3.226    3.478
                       
<=$729K         4.875    4.250                      3.750         
APR:            4.966    4.405                      3.835         
                       
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.