California Mortgage Rates
To lock in these California mortgage rates today, call or apply online now. Once we receive your application, we can pre-approve you in minutes and you can lock in these rates immediately. These CA mortgage rates are only a sample of some our most popular programs. Please contact us for rates on any of our other loan products.
Conforming Programs
$150,000 - $417,000 Conforming 30 Year Fixed |
| Rates |
Points |
APR |
| 5.125% |
2.500 |
5.356% |
| 5.250% |
2.000 |
5.395% |
| 5.375% |
1.250 |
5.419% |
| 5.500% |
0.500 |
5.528% |
| 5.625% |
0.000 |
5.634% |
|
Jumbo Programs
$417,001 - $1,000,000 Jumbo 30 Year Fixed |
| Rates |
Points |
APR |
| 5.875% |
3.500 |
6.194% |
| 6.000% |
3.000 |
6.270% |
| 6.125% |
2.500 |
6.289% |
| 6.250% |
1.250 |
6.343% |
| 6.375% |
0.000 |
6.382% |
|
| Conforming 15 Year Fixed |
| Rates |
Points |
APR |
| 4.500% |
2.500 |
4.782% |
| 4.625% |
2.000 |
4.795% |
| 4.750% |
1.250 |
4.863% |
| 4.875% |
0.500 |
4.898% |
| 5.000% |
0.000 |
5.012% |
|
| Jumbo 15 Year Fixed |
| Rates |
Points |
APR |
| 5.375% |
3.500 |
5.805% |
| 5.500% |
2.750 |
5.821% |
| 5.625% |
2.250 |
6.858% |
| 5.750% |
1.500 |
5.864% |
| 5.875% |
0.000 |
5.884% |
|
| Conforming 1/1 ARM |
| Rates |
Points |
APR |
| 4.500% |
2.500 |
7.041% |
| 4.625% |
2.250 |
7.040% |
| 4.750% |
1.500 |
7.038% |
| 4.875% |
1.000 |
7.035% |
| 5.000% |
0.000 |
7.031% |
|
| Jumbo 1/1 ARM |
| Rates |
Points |
APR |
| 4.875% |
3.000 |
7.016% |
| 5.000% |
2.500 |
6.978% |
| 5.125% |
1.750 |
6.976% |
| 5.250% |
1.000 |
6.983% |
| 5.375% |
0.000 |
6.996% |
|
| Conforming 3/1 ARM |
| Rates |
Points |
APR |
| 4.625% |
2.250 |
6.870% |
| 4.750% |
1.750 |
6.863% |
| 4.875% |
1.500 |
6.856% |
| 5.000% |
1.000 |
6.859% |
| 5.125% |
0.000 |
6.858% |
|
| Jumbo 3/1 ARM |
| Rates |
Points |
APR |
| 5.000% |
2.750 |
6.802% |
| 5.125% |
2.250 |
6.819% |
| 5.250% |
2.000 |
6.832% |
| 5.375% |
1.500 |
6.806% |
| 5.500% |
0.000 |
6.853% |
|
| Conforming 5/1 ARM |
| Rates |
Points |
APR |
| 4.750% |
2.500 |
6.914% |
| 4.875% |
2.000 |
6.928% |
| 5.000% |
1.500 |
6.931% |
| 5.125% |
1.000 |
6.933% |
| 5.250% |
0.000 |
6.956% |
|
| Jumbo 5/1 ARM |
| Rates |
Points |
APR |
| 5.000% |
3.000 |
6.904% |
| 5.125% |
2.500 |
6.915% |
| 5.250% |
2.000 |
6.928% |
| 5.375% |
1.500 |
6.922% |
| 5.500% |
0.000 |
6.831% |
|
| Conforming 7/1 ARM |
| Rates |
Points |
APR |
| 5.000% |
2.500 |
6.840% |
| 5.125% |
2.000 |
6.854% |
| 5.250% |
1.500 |
6.875% |
| 5.375% |
1.000 |
6.896% |
| 5.500% |
0.000 |
6.949% |
|
| Jumbo 7/1 ARM |
| Rates |
Points |
APR |
| 5.250% |
3.000 |
6.848% |
| 5.375% |
2.500 |
6.862% |
| 5.500% |
2.000 |
6.876% |
| 5.625% |
1.500 |
6.899% |
| 5.750% |
0.000 |
6.941% |
|
| Conforming 10/1 ARM |
| Rates |
Points |
APR |
| 5.000% |
2.500 |
6.602% |
| 5.125% |
2.000 |
6.615% |
| 5.250% |
1.500 |
6.647% |
| 5.375% |
1.000 |
6.681% |
| 5.500% |
0.000 |
6.621% |
|
| Jumbo 10/1 ARM |
| Rates |
Points |
APR |
| 5.500% |
3.000 |
6.598% |
| 5.625% |
2.500 |
6.608% |
| 5.750% |
2.000 |
6.642% |
| 5.875% |
1.500 |
6.676% |
| 6.000% |
0.000 |
6.613% |
|
Assumptions:
Rates may change daily, and without notice. Rates and fees can vary from state to state. The California rates quoted are based on borrower’s good credit scores and proper verification of income and assets. Rates can be affected by lower than average credit scores and / or if the borrower requires a stated income loan as an alternative to providing proper supporting income and asset documentation.
The CA mortgage rates quoted on our website are based on the typical mortgage scenarios as shown below. Our quoted rates require escrows (impounds) for property taxes and hazard insurance. Arrangements can be made to eliminate the escrow (impound) accounts. Please ask us for the details.
CONFORMING ASSUMPTIONS
| Loan Size: |
$300,000 |
| Down payment: |
20% |
| Loan purpose: |
Purchase |
| Property type: |
Single-family Residence |
| Occupancy: |
Owner-occupied |
| Lock period: |
30 days |
| Prepayment penalty: |
None |
JUMBO ASSUMPTIONS
| Loan Size: |
$500,000 |
| Down payment: |
20% |
| Loan purpose: |
Purchase |
| Property type: |
Single-family Residence |
| Occupancy: |
Owner-occupied |
| Lock period: |
30 days |
| Prepayment penalty: |
None |
|
|
|
