Home Loan Rates

Rates last updated on 7/7/2025 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)                6.625% Rate    0 Point    6.726% APR   

                                                          6.375% Rate    1 Point    6.571% APR

Owner occupied properties in California only. Payment example: 360 payments of approximately $6.40 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

20 Year Fixed (Conforming)                6.250% Rate    0 Point    6.379% APR

                                                          6.000% Rate    1 Point    6.254% APR

Owner occupied properties in California only. Payment example: 360 payments of approximately $7.31 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15 Year Fixed (Conforming)                   5.750% Rate   0  Point   5.906% APR

                                                            5.500% Rate    1 Point    5.811% APR

Owner occupied properties in California only. Payment example: 120 payments of approximately $8.30 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

10 Year Fixed (Conforming)                  5.625% Rate    0 Point  5.845% APR

                                                            5.375% Rate    1 Point   5.815% APR    

Owner occupied properties in California only. Payment example: 180 payments of approximately $10.91 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)                         6.625% Rate    0 Point   6.676% APR

                                                            6.375% Rate    1 Point   6.521% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 360 payments of approximately $6.40 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

20 Year Fixed (Jumbo)                         6.250% Rate    0 Point    6.314% APR

                                                            6.000% Rate    1  Point   6.189% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 240 payments of approximately $7.31 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15-Year Fixed (Jumbo)                           5.750% Rate    0 Point    5.826% APR

                                                             5.500% Rate    1  Point   5.730% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 180 payments of approximately $8.30 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

10 Year Fixed (Jumbo)                           5.625% Rate     0 Point   5.732% APR

                                                              5.375% Rate    1  Point   5.701% APR

Owner occupied properties in California only. Loan amounts $766,551 and greater.  Payment example: 120 payments of approximately $10.91 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)                   6.250% Rate    0 Point    6.168% APR

                                                               6.000% Rate    1  Point   6.096% 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 $6.16 per $1,000 borrowed, followed by 240 payments of $6.04 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)                         6.500% Rate    0 Point    6.377% APR

                                                                6.250% Rate    1  Point   6.261% 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 $6.32 per $1,000 borrowed, followed by 180 payments of $5.93 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in the payment example; your actual payment will be higher.

30 Year 5/5 ARM (conforming)                 5.875% Rate    0 Point    6.424% APR

                                                                5.625% Rate    1  Point   6.420% APR

APR is variable and based on the 60-day FNMA rate.  Owner-occupied properties in California only. Payment example: 60 payments of approximately $5.92 per $1,000 borrowed, followed by 300 payments of $6.42 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in the payment example; your actual payment will be higher.

ARM Rate Jumbo Home Loans $806,501 and Over

10/10/10 ARM (Jumbo)                          6.250% Rate    0 Point    6.144% APR

                                                               6.000% Rate    1  Point   6.073% 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 $6.16 per $1,000 borrowed, followed by 240 payments of $6.04 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)                                6.500% Rate    0 Point    6.363% APR

                                                               6.250% Rate    1  Point   6.247% 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 $6.32 per $1,000 borrowed, followed by 180 payments of $5.93 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)                       5.875% Rate    0 Point    6.521% APR

                                                               5.625% Rate    1  Point   6.517% 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 $5.92 per $1,000 borrowed, followed by 300 payments of $6.42 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)

 

  • 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.