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purchasing a home
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Useful information when
refinancing a home
Lower payments, reduce interest rate or payoff debts

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Today`s Rates
California
Type Rate APR
30 Year Fixed 4.375% 4.450%
15 Year Fixed 3.500% 3.625%
5/1 ARM 3.250% 3.375%
Important Rate Details

Important Rate Details and Other Disclosures

Loans advertised are either adjustable rate mortgages (ARMs) or fixed rate mortgages with a 15-, or 30-year fully amortizing term. No loan advertised has a prepayment penalty. Rates shown are only available in California. The following loan examples are subject to the assumptions below for the specific loan product shown.
Estimated Monthly Payments*
Loans Rate APR** Points # of Payments Payment
Conventional Fixed
Conventional Fixed: 30 year 4.375% 4.450% 0.000 360 $1,266.71
Conventional Fixed: 15 year 3.500% 3.625 0.000 180 $1,771.90
Conventional ARM
Conventional ARM: Adjusts in 5 years¹ 3.250% 3.375% 0.500 60 $1,105.24
* Payments shown do not include amounts for taxes and insurance. If applicable, the actual payment obligation will be greater

** The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, points, and other estimated loan specific finance charges you may be required to pay

¹Conventional ARM: Adjusts in 5 years. The Rate on this adjustable rate loan is variable and is subject to increase or decrease after 5 years, so your payments may increase or decrease after the initial period. After the initial period, the variable interest rate and payment will adjust every year and equal the total of the 12-month LIBOR index plus a margin of 2.25%. The maximum periodic change in the interest rate is 5% at the first adjustment, with subsequent changes of up to 2%, and a maximum overall rate increase of 5% above the initial interest rate (which could not occur until after year 5).
Assumptions - Conventional Fixed
  • Refinance
  • Loan amount of $250,000
  • A loan amount that does not exceed 80% of the value of the property (i.e., loan-to-value ratio).
  • FICO credit score greater than or equal to 740.
  • The property is a single-family home used as the primary residence.

Assumptions - Conventional ARM
  • PURCHASE.
  • Loan amount of $250,000
  • A loan amount that does not exceed 80% of the value of the property (i.e., loan-to-value ratio).
  • FICO credit score greater than or equal to 740.
  • The property is a single-family home used as the primary residence.
Important Disclosures

This is not an offer to extend credit or lock in a specific rate or otherwise enter into an agreement. Rates, program terms, and conditions are subject to change without notice. For that reason, if you apply for the loan represented by the example, the actual rate on the loan described may be different at the time you lock in the rate on your loan. You must submit additional information for review. Applicants must meet additional underwriting standards, including income and employment history, assets, and other requirements. Not all applicants will qualify for the advertised rates and terms. Credit and collateral subject to approval. Offer applies to Single Family Residences only. Refinance offers are not valid on Condo Hotels, Manufactured Homes, Mobile Homes. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. We may change our loan rate structure and the assumptions on which our rates are based from time to time without notice.

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Today's Mortgage Rates

Ideal for borrowers who plan on owning their home for an extended period of time. A long-term, fixed-rate rate that offers a peace of mind and is repaid over a 15 to 30 year term at an unchanging monthly payment and interest rate. Provides Protection from rising interest rates.

Terms Available Rate? APR?
Convention Fixed
10 Year Fixed 3.250% 3.370%
15 Year Fixed 3.500% 3.625%
30 Year Fixed 4.375% 4.450%
FHA Fixed
15 Year Fixed FHA 3.375% 3.900%
30 Year Fixed FHA 4.125% 4.705%
View Rate Disclosures

Lower initial interest rate which means a lower monthly payment. Great for borrowers that don’t plan on staying in their home long term. If interest rates drop when your loan adjusts, you may adjust into an even lower rate.

Terms Available Rate? APR?
Convention at ARM
5/1 ARM 3.250% 3.375%
7/1 ARM 3.500% 3.625%
View Rate Disclosures
  • Ideal for borrowers who plan on owning their home for an extended period of time.
  • Only requires 3.5%  as a down payment.
  • Lowers credit scores required to qualify
  • Allows higher income to debt ratios than  traditional conventional loans.
Terms Available Rate? APR?
Fixed Rate Loan Options
15 Year Fixed FHA 3.375% 3.900%
30 Year Fixed FHA 4.125% 4.705%
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