Mortgage Rates

Low Rate Mortgage Loans

Rates shown assume the loan is for the purchase or no-cash-out refinance of an owner-occupied, existing single family residence, in California only, serving as a primary residence, with a loan-to-value ratio of less than 60%, and excellent credit. In addition, all refinance loans above $125,000 will have a Loan Level Pricing Adjustment (LLPA) of .50% charged by FNMA and FHLMC as an adverse market delivery fee. 

Fixed Rate Conforming Mortgages

Maximum Loan Amount: $548250. APRs are based on a loan amount of $548250. Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 2.75% 2.775% $4.08 CC, DD, EE, FF, S
0.500% 2.625% 2.689% $4.02
1.500% 2.5% 2.641% $3.95
20 0.000% 2.75% 2.786% $5.42 CC, DD, EE, FF, S
0.500% 2.625% 2.716% $5.36
1.500% 2.5% 2.701% $5.30
15 0.000% 2.125% 2.171% $6.49 CC, DD, EE, FF, S
0.500% 2% 2.116% $6.44
1.000% 1.875% 2.061% $6.38
10 0.000% 2.125% 2.192% $9.26 CC, DD, EE, FF, S
0.500% 2% 2.171% $9.20
1.000% 1.875% 2.149% $9.15

Fixed Rate Super-Conforming Mortgages

Maximum Loan Amount: $822375(available in Bay Area counties and certain other areas). APRs are based on a loan amount of $822375. Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 3% 3.019% $4.22 CC, DD, EE, FF, S
1.000% 2.875% 2.972% $4.15
2.000% 2.75% 2.925% $4.08
15 0.000% 2.375% 2.408% $6.61 CC, DD, EE, FF, S
1.000% 2.25% 2.425% $6.55
2.000% 2.125% 2.443% $6.49

Fixed Rate Super-Jumbo Mortgages

APRs are based on a loan amount of $2000000. Amounts over $2000000 available. Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
30 0.000% 3.125% 3.142% $4.28 CC, DD, EE, FF, S
1.000% 3% 3.095% $4.22

Purchase-Only Fixed/Adjustable Mortgages

Movable Mortgages also available at these rates. APRs are based on a loan amount of $550000. For refinance rates, increase the interest rate by 0.25%. For loans of $750,000 or higher on the 7/23 and 10/10/10 programs, reduce the interest rate by 0.125%. Term in Years Discount Points Interest Rate APR Payment per $1,000 Disclaimers
5/5 0.000% 2.625% 2.986% $4.02 CC, DD, EE, FF, S
1.000% 2.375% 2.979% $3.89
7/23 0.000% 2.625% 2.657% $4.02 CC, DD, EE, FF, S
1.000% 2.375% 2.621% $3.89
10/10/10 0.000% 2.75% 3.179% $4.08 CC, DD, EE, FF, S
1.000% 2.5% 3.108% $3.95

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