12月13日（星期一）加州貸款利率

SUMMARY: 今天（12月13日星期一）的利率較上星期五基本持平。加州的購房貸款30年固定稍漲，隻能做到4.75%了。

**************************** CALIFORNIA ****************************
REFINANCE RATE:
           30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    4.875    4.250    4.750    4.125
<=$729K    5.000    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    4.750    4.000    4.625    3.875    3.125      3.375
APR:       4.860    4.188    4.775    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.