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Mortgage Rates

Table data for Mortgage Rates
 Effective 10/23/2019
Loan Type APR* Rate Points Alert Me
30-Year Fixed 3.825% 3.750% 0.00%
15-Year Fixed 3.503% 3.375% 0.00%
5/5 ARM 3.761% 3.125% 1.00%

Fixed Rate MortgagesGrey two story house with front porch

Fixed rate mortgages are traditional loans and have the benefit of a fixed rate and fixed payment amount throughout the life of the loan. This ensures that you will have no surprises or an increase in your payment amount. If you're planning on investing in a home and a life, this loan is perfectly suited for you. 

  • Terms up to 30 years
  • Loan amounts from $25,000 to $679,650
  • Purchase up to 97% loan-to-value
  • Refinance no cash-out up to 95% loan-to-value
  • Refinance with cash-out up to 80% loan-to-value
  • Single family residences, condominiums, townhouses or planned unit developments
  • Investment properties, 1-4 units, vacation homes

Adjustable Rate Mortgages (ARM)

Purchasing property to renovate and sell? Planning retirement in a few years and want to get the most out of your refinance? An adjustable rate mortgage (ARM) could be the perfect fit for you. The short-term fixed rate gets you lower payments and before it adjusts you can sell the property. 

  • Initial fixed monthly payments of 5, 7, or 10 years (payment will adjust after initial fixed term)
  • Flexible terms available
  • Loan amounts from $25,000 to $1 Million
  • Purchase up to 90% loan-to-value
  • Refinance no cash-out up to 90% loan-to-value
  • Refinance with cash-out up to 75% loan-to-value
  • Single family residences, condominiums, townhouses or planned unit developments
  • Fixed interest rate for a period of time, 5, 7, or 10 years.
  • Rates adjust annually after the initial fixed rate period

Jumbo Loans

A Jumbo Loans allows for a larger loan amount while still providing flexible lending options including fixed and adjustable rate loans.

  • 30 year fixed, 15 year fixed, 5/1, 7/1, 5/5, and 10/1 Libor ARMS
  • Loan amounts up to $2,500,000
  • Up to 95% loan-to-value for purchase and rate/term refinance
  • Up to 80% for cash out refinance
  • Owner occupied, second home and investment properties
  • Call for rates

FHA Loans

An FHA mortgage is insured by the Federal Housing Administration (FHA) and can be a good choice if you're looking for a loan with a lower down payment option.

  • Fixed rate and variable rate programs available
  • Up to 96.5% loan-to- value on Purchase transactions
  • Up to 97.75% loan-to-value on Rate/Term Refinance
  • Up to 85% loan-to-value for Cash Out transactions
  • Primary residence only
  • Single family, 1-4 units (primary residence) and condominiums
  • Call for rates

VA Loans

Veteran Affairs (VA) loans are available for veterans who are looking for a fixed-rate loan with a lower down payment.

  • 100% loan-to-value on purchase and refinance transactions
  • Up to 90% loan-to-value on cash out refinances
  • No PMI
  • Owner occupied only
  • Call for rates

Reverse Mortgage

A reverse mortgage lets you convert a portion of your home's equity into cash.

  • All borrowers must be 62 or older
  • Fixed rate and ARM loans available
  • Backed by the Federal Government
  • Title remains in the owners name
  • LTV based on age
  • Fees are included in the loan
  • Counseling handled by an HUD approved Independent Counseling Agency

All terms represented are best available and not all borrowers will qualify. Program and borrower qualifications are based on loan amount, credit score, property types and loan-to-value ratio. This is not a commitment to lend. All terms and conditions are subject to change without notice. Loans only available in California.