Home Loan Rates
Rates last updated on 3/14/2025 and subject to change without notice.
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Purchase or Refinance, Same Low Interest Rate
Fixed Rate Conforming Home Loans $50,000 to $806,500
30 Year Fixed (Conforming) 6.500% Rate 0 Point 6.600% APR
6.250% Rate 1 Point 6.445% APR
Owner occupied properties in California only. Payment example: 360 payments of approximately $6.32 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
20 Year Fixed (Conforming) 6.125% Rate 0 Point 6.253% APR
5.875% Rate 1 Point 6.127% APR
Owner occupied properties in California only. Payment example: 360 payments of approximately $7.24 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed (Conforming) 5.875% Rate 0 Point 6.033% APR
5.625% Rate 1 Point 5.938% APR
Owner occupied properties in California only. Payment example: 120 payments of approximately $8.37 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
10 Year Fixed (Conforming) 5.500% Rate 0 Point 5.719% APR
5.250% Rate 1 Point 5.938% APR
Owner occupied properties in California only. Payment example: 180 payments of approximately $10.85 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
Fixed Rate Jumbo Home Loans $806,501 and Over
30 Year Fixed (Jumbo) 6.500% Rate 0 Point 6.550% APR
6.250% Rate 1 Point 6.395% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 360 payments of approximately $6.32 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
20 Year Fixed (Jumbo) 6.125% Rate 0 Point 6.188% APR
5.875% Rate 1 Point 6.062% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 240 payments of approximately $7.24 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15-Year Fixed (Jumbo) 5.875% Rate 0 Point 6.033% APR
5.625% Rate 1 Point 5.938% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 180 payments of approximately $8.37 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
10 Year Fixed (Jumbo) 5.500% Rate 0 Point 5.719% APR
5.250% Rate 1 Point 5.688% APR
Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 120 payments of approximately $10.85 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
ARM Rate Conforming Home Loans $50,000 to $806,500
10/10/10 ARM (Conforming) 6.125% Rate 0 Point 6.607% APR
5.875% Rate 1 Point 5.995% APR
APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Payment example: 120 payments of approximately $6.08 per $1,000 borrowed, followed by 240 payments of $5.89 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
15/15 ARM (Conforming) 6.375% Rate 0 Point 6.270% APR
6.125% Rate 1 Point 6.154% APR
APR is variable and based on 10-year CMT plus 1% margin. Max adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Payment example: 180 payments of approximately $6.24 per $1,000 borrowed, followed by 180 payments of $5.80 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
30 Year 5/5 ARM (conforming) 6.250% Rate 0 Point 6.724% APR
6.000% Rate 1 Point 6.720% APR
APR is variable and based on 60-day FNMA rate. Owner occupied properties in California only. Payment example: 60 payments of approximately $6.16 per $1,000 borrowed, followed by 300 payments of $6.60 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
ARM Rate Jumbo Home Loans $806,501 and Over
10/10/10 ARM (Jumbo) 6.125% Rate 0 Point 6.044% APR
5.875% Rate 1 Point 5.972% APR
APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 120 payments of approximately $6.08 per $1,000 borrowed, followed by 240 payments of $5.89 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
15/15 ARM (Jumbo) 6.375% Rate 0 Point 6.235% APR
6.125% Rate 1 Point 6.119% APR
APR is variable and based on 10-year CMT plus 1% margin. Max adjustment 6%; floor rate 1.00%. Loan amounts $766,551 and greater. Owner occupied properties in California only. Payment example: 180 payments of approximately $6.24 per $1,000 borrowed, followed by 180 payments of $5.80 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher
30 Year 5/5 ARM (jumbo) 6.250% Rate 0 Point 6.819% APR
6.000% Rate 1 Point 6.815% APR
APR is variable and based on 60-day FNMA rate. Loan amounts $766,551 and greater. Owner occupied properties in California only. Payment example: 60 payments of approximately $6.16 per $1,000 borrowed, followed by 300 payments of $6.60 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.
Home Equity Line of Credit (HELOC)
- 5.99% APR for 6 months, then As Low as 7.50% up to 80% LTV (Prime + 0%)
- As Low as 8.75% APR up to 90% LTV (Prime + 1.25%)
- As Low as 9.00% ARP up to 100% LTV (Prime + 1.50%)
APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.50%) + margin. Lowest margin for 80% LTV is 0%, for 80.01-90% LTV is 1.25%, for 90.01-100% is 1.50%. Your actual rate may va ry based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds waived if $5,000 initial advance is taken and the account remains open for 3 years, plus recording and notary fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example: 6 monthly payments of approximately $7.17 for each $1,000 borrowed, followed by 234 monthly payments of approximately $8.10 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. Promotional rate is only available on HELOCs up to 80% LTV.
Home Equity Loans
10 Year Fixed
- As Low as 7.000% APR up to 80% LTV
- As Low as 8.250% APR up to 90% LTV
- As Low as 8.500% APR up to 100% LTV
Your actual rate may vary based on your credit history and CLTV. Maximum LTV 80%. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 120 monthly payments of approximately $11.61 per $1,000 borrowed.
15 Year Fixed
- As Low as 7.250% APR up to 80% LTV
- As Low as 8.500% APR up to 90% LTV
- As Low as 8.750% APR up to 100% LTV
Your actual rate may vary based on your credit history and CLTV. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 180 monthly payments of $9.13 per $1,000 borrowed.
20 Year Fixed
- As Low as 7.500% APR up to 80% LTV
- As Low as 8.750% APR up to 90% LTV
- As Low as 9.000% APR up to 100% LTV
Your actual rate may vary based on your credit history and CLTV. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 240 monthly payments of approximately $8.06 per $1,000 borrowed.
Non-Owner Occupied Home Loan
10 Year Fixed (conforming) 6.125% Rate 0 Points 6.352% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $11.29 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed (conforming) 6.500% Rate 0 Points 6.665% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.92 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
Non-Owner Occupied Home Equity Loan
10 Year Fixed Second As low as 8.000% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $7.87 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
15 Year Fixed Second As low as 8.750% APR
Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.23 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.