Home Loan Rates

Rates last updated on 3/14/2025 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)                6.750% Rate    0 Point    6.853% APR   

                                                          6.500% Rate    1 Point    6.699% APR

Owner occupied properties in California only. Payment example: 360 payments of approximately $6.49 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

20 Year Fixed (Conforming)                6.375% Rate    0 Point    6.505% APR

                                                          6.125% Rate    1 Point    6.381% APR

Owner occupied properties in California only. Payment example: 360 payments of approximately $7.38 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15 Year Fixed (Conforming)                  6.125% Rate    0 Point    6.286% APR

                                                            5.875% Rate    1 Point    6.192% APR

Owner occupied properties in California only. Payment example: 120 payments of approximately $8.51 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

10 Year Fixed (Conforming)                  5.750% Rate    0 Point   5.972% APR

                                                            5.500% Rate    1 Point   5.942% APR    

Owner occupied properties in California only. Payment example: 180 payments of approximately $10.98 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)                         6.750% Rate    0 Point   6.802% APR

                                                            6.500% Rate    1 Point   6.648% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 360 payments of approximately $6.49 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

20 Year Fixed (Jumbo)                         6.375% Rate    0 Point   6.440% APR

                                                            6.125% Rate    1 Point   6.315% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 240 payments of approximately $7.38 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15-Year Fixed (Jumbo)                          6.125% Rate    0 Point   6.205% APR

                                                             5.875% Rate    1 Point   6.110% 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)                           5.750% Rate    0 Point   5.858% APR

                                                              5.500% Rate    1 Point   5.828% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater.  Payment example: 120 payments of approximately $10.98 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)                   6.375% Rate    0 Point   6.266% APR

                                                               6125% Rate    1 Point   6.194% 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 $6.24 per $1,000 borrowed, followed by 240 payments of $5.99 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)                         6.625% Rate    0 Point   6.505% APR

                                                                6.375% Rate    1 Point   6.389% 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 $6.40 per $1,000 borrowed, followed by 180 payments of $5.91 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 $6.45 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)                          6.375% Rate    0 Point   6.266% APR

                                                               6.125% Rate    1 Point   6.170% 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 $6.24 per $1,000 borrowed, followed by 240 payments of $5.99 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)                                6.625% Rate    0 Point   6.470% APR

                                                               6.375% Rate    1 Point   6.354% 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 $6.40 per $1,000 borrowed, followed by 180 payments of $5.91 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 $6.45 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 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 $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)                    6.375% Rate     0 Points  6.605% 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)                    6.750% Rate     0 Points  6.9128% APR

Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.85 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.