Home Loan Rates

Rates last updated on 8/29/2025 and subject to change without notice.

 

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  Points    6.589% APR     360 Payments     $1264.44 Payment     

20 Year Fixed (Conforming)     6.000% Rate     0  Points    6.112% APR     240 Payments     $1432.86 Payment   

15 Year Fixed (Conforming)     5.750% Rate     0  Points    5.889% APR     180 Payments     $1660.82 Payment       

10 Year Fixed (Conforming)     5.500% Rate     0  Points    5.694% APR     120 Payments     $2170.53 Payment                                                            

APR means Annual Percentage Rate. Rates shown are stated for the term, including applicable points and fees on a 30-day lock. Conforming rates are based on a $200,000 loan on a $340,000 property in Sacramento County, CA. The terms shown are for an owner-occupied, single-family residence for an applicant with a credit score of 740 or greater. Your payment may be higher. 

Fixed Rate Jumbo Home Loans $806,502 and Over

 30 Year Fixed (Jumbo)            6.625% Rate     0 Points     6.663% APR     360 Payments    $7203.50   Payment    

 20 Year Fixed (Jumbo)            6.125% Rate     0 Points     6.171% APR     240 Payments    $8,141.19  Payment

 15-Year Fixed (Jumbo)            5.750% Rate     0 Points     5.805% APR     180 Payments    $9,342.11  Payment

 10 Year Fixed (Jumbo)            5.500% Rate     0 Points     5.575% APR     120 Payments    $12,209.21 Payment                         

APR means Annual Percentage Rate. Rates shown are stated for the term, including applicable points and fees on a 30-day lock. Jumbo rates are based on a $1,125,000 loan on a $2,250,000 property in Sacramento County, CA. The terms shown are for an owner-occupied, single-family residence for an applicant with a credit score of 740 or greater. Your payment may be higher.

ARM Rate Conforming Home Loans $50,000 to $806,500

10/10/10 ARM (Conforming)     6.250% Rate    0 Points    6.326% APR     360 Payments

15/15 ARM (Conforming)           6.250% Rate    0 Points    6.326% APR     360 Payments 

 5/5 ARM (Conforming)               5.875% Rate    0 Points    5.948% APR     360 Payments

 

APR means Annual Percentage Rate. Rates shown are stated for the term, including applicable points and fees on a 30-day lock. Conforming rates are based on a $240,000 loan on a $340,000 property in Sacramento County, CA. The terms shown are for an owner-occupied, single-family residence for an applicant with a credit score of 740 or greater. Your payment may be higher. 

ARM Rate Jumbo Home Loans $806,501 and Over

10/10/10 ARM (Jumbo)           6.000% Rate    0 Points    6.034% APR     360 Payments

15/15 ARM (Jumbo)                 6.125% Rate    0 Points    6.160% APR     360 Payments

5/5 ARM     (Jumbo)                  5.750% Rate    0 Points    5.782% APR     360 Payments

                                                              

APR means Annual Percentage Rate. Rates shown are stated for the term, including applicable points and fees on a 30-day lock. Jumbo rates are based on a $1,125,000 loan on a $2,250,000 property in Sacramento County, CA. The terms shown are for an owner-occupied, single-family residence for an applicant with a credit score of 740 or greater. Your payment may be higher.                                            

Home Equity Line of Credit (HELOC)

 

  • 4.75% 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 vary 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 $6.45 for each $1,000 borrowed, followed by 234 monthly payments of approximately $7.94 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)                    6.250% Rate     0 Points  6.479% APR

Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $11.23 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15 Year Fixed (conforming)                    6.375% Rate     0 Points  6.538% APR

Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.64 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.