[Southack]

Housing rates are more affected by the 10 year Treasury...which is down to around 4.15% or so.

That's still pretty low; you'll see common home mortgages at 10 Yr Treas + .5% (perhaps not the average rate, but still common)...so 4.65% should be doable right now.

...And home loans under 5% while our economy is growing (new home starts are at historical records) are good deals.

[wardaddy]

They like a lot more than 50 basis points above 10 year Ts on commercial...sadly.

Life is not fair.