12月13日（星期一）加州贷款利率

SUMMARY: 今天（12月13日星期一）的利率较上星期五基本持平。加州的购房贷款30年固定稍涨，只能做到4.75%了。

**************************** CALIFORNIA ****************************

REFINANCE RATE:

           30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

REFINANCE CASH-OUT RATE:

           30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

PURCHASE RATE:

           30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR:       4.860    4.188    4.775    4.146    3.226      3.478

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): 

    -     -     -     - 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.