Mortgage Interest Rates

Rates effective as of 12/06/2018.

Conforming Fixed Rate Loans Rate Points APR 1
30-Year Fixed Rate 5.000% -1.00% 4.965%
30-Year Fixed Rate 4.750% 0.00% 4.802%
20-Year Fixed Rate 4.875% -1.00% 4.828%
20-Year Fixed Rate 4.625% 0.00% 4.696%
15-Year Fixed Rate 4.625% -1.00% 4.565%
15-Year Fixed Rate 4.375% 0.00% 4.465%
Conforming Adjustable Rate Loans Rate Points APR 1
3/1 30-Year Adjustable Rate 3.500% 0.00% 3.549%
5/1 30-Year Adjustable Rate 4.250% 0.00% 4.301%
Jumbo Fixed Rate Loans Rate Points APR 1
30-Year Fixed Rate 5.250% -1.00% 5.186%
30-Year Fixed Rate 5.000% 0.00% 5.024%
15-Year Fixed Rate 4.625% -1.00% 4.516%
15-Year Fixed Rate 4.375% 0.00% 4.416%
Jumbo Adjusted Rate Loans Rate Points APR 1
3/1 30-Year Adjustable Rate 3.500% 0.00% 3.522%
5/1 30-Year Adjustable Rate 4.250% 0.00% 4.273%

1. APR = Annual Percentage Rate. The advertised rates are based on a loan amount of $453,100 for conforming loans and $1,000,000 for jumbo loans for stated term including applicable points and customary closing costs. For 3/1 Adjustable Rate Mortgages (ARM) and 5/1 Adjustable Rate Mortgages (ARM) the advertised rates are based on a loan amount of $453,100 for conforming loans and $1,000,000 for jumbo loans for stated term including applicable points and customary closing costs.

Advertised rates available for properties located in California.

Maximum CLTV for rate and term refinances single family owner occupied, approved condomunium, town home project is 80% when mortgage insurance is not obtained, and second homes is 80%. Call for non-owner occupied properties rate and term maximums. CLTV to 75% on owner occupied properties are available. Mortgage Insurance (MI) is required on all loans with greater than 80% CLTV.