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30 Year Fixed Rate : 3.75 %
0 Points * APR:

15 Year Fixed Rate : 3.125 %
0 Points * APR:

Hybrid 5 Year Fixed : 4.125 %
0 Points * APR:
interest only to $2 million.

   *APRS based on $200k loan amount

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Mortgage Interest Rates


Mortgage interest rate information is displayed below and this information is updated daily. We receive most of our investor rate sheets by mid morning and post our most most competitive rates here. These California mortgage rates are accurate for today, however we recommend that you contact us to receive a mortgage quote that is specific to your situation. Pricing adjustments are necessary with any lender depending on a variety of factors including the loan to value (LTV), cash out refinance, credit score, investment property, second home or primary residence just to name a few.

Mortgage rates follow the bond market closely. Over time, the fixed mortgage rates follows closely to the 10 year Treasury bond. Usually when the yield on these bonds rise mortgage rates also rise. They do not always rise exactly the same amount and the same time and it can take a few hours or a few days to respond. Bonds are issued by the government and private companies looking to raise cash by issuing debt. Bonds do not always have a rate of return (yield) however the principal is always repaid. Bonds issued by the US Treasury are backed by the full faith and credit of the US government and since the risk of the Treasury defaulting on them is almost zero, they are generally considered the safest investment.  mortgage interest rates will rise and fall based on other factors as well including supply and demand for investment dollars of competing types of investments.


 10/23/2017  

 California County Max FHA Loan Limits for 2017  

FHA Loans to $424,100 and FHA High Balance loans
Program Rate Pts Fees APR
30 yr Fx 3.625 0 $3,213
30 yr Fx 3.375 1.5 $3,213
15 yr Fx 3.5 0 $3,213
15 yr Fx 3.25 1.5 $3,213
30 yr Fx High Balance 3.75 0 $3,213
30 yr Fx High Balance 3.625 1.5 $3,213
15 yr Fx High Balance 3.375 0 $3,213
15 yr Fx High Balance 3.25 1.5 $3,213
         
Above APRs based on a loan amount of $200,000 for conforming
and $550,000 for High Balance


Conventional Loans to $424,100
Program Rate Pts Fees APR
30 yr Fx 3.75 0 $3,213
30 yr Fx 3.5 1.5 $3,213
25 yr Fx 3.75 0 $3,213
25 yr Fx 3.5 1.5 $3,213
20 yr Fx 3.875 0 $3,213
20 yr Fx 3.625 1.5 $3,213
15 yr Fx 3.125 0 $3,213
15 yr Fx 2.75 1.5 $3,213
10 yr Fx 3.25 0 $3,213
10 yr Fx 3.0 1.5 $3,213
         
Above APRs based on a loan amount of $200,000


California County Max Loan Limits for 2017 for Fannie Mae and Freddie Mac

Conventional High Balance Loans
Program Rate Pts Fees APR
30 yr Fx 3.875 0 $3,688
30 yr Fx 3.75 1.5 $3,688
20 yr Fx 0.0 0 $3,688
20 yr Fx 0.0 1.5 $3,688
15 yr Fx 3.25 0 $3,688
15 yr Fx 2.875 1.5 $3,688
10 yr Fx 0.0 0 $3,688
10 yr Fx 0.0 1.5 $3,688
         
Above APRs are based on a loan amount of $450,000

Jumbo Loans
Program Rate Pts Fees APR
30 yr Fx 4.125 0 $4,533
30 yr Fx 3.75 1 $4,533
5/1 ARM 4.125 0 $4,533
5/1 ARM 3.375 1 $4,533
7/1 ARM 3.25 0 $4,533
7/1 ARM 2.875 1 $4,533
         
Above APRs are based on a loan amount of $1,000,000.
Super Jumbos available. Call for pricing.


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