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Yes, we offer them all. FHA, VA, Conventional, Jumbo loans, Homepath Mortgage and Down Payment Assistance programs.
If you are looking to purchase a home or refinance one we have you covered.
Want helpful tips on improving your credit and learn how to obtain a free credit report?
Compare loan options, see monthly mortgage payments and more with this handy dandy calculator.
Learn the loan process and items needed when obtaining a mortgage.
Make sense of it all--our Mortgage Glossary will help you understand home lending language.
Fannie Mae & Freddie Mac currently own over 50% of all home loans in the US. The government sponsored HARP programs are available for loans owned by Fannie Mae & Freddie Mac.
| Today`s Rates | ||
| California | ||
| Type | Rate | APR |
| 30 Year Fixed | 6.000% | 6.070% |
| 15 Year Fixed | 5.750% | 5.767% |
| 5/1 ARM | 3.250% | 3.375% |
Important Rate Details and Other Disclosures
| Loans | Rate | APR** | Points | # of Payments | Payment |
| Conventional Fixed | |||||
| Conventional Fixed: 30 year | 4.375% | 4.450% | 0.000 | 360 | $1,193.54 |
| Conventional Fixed: 15 year | 3.500% | 3.625 | 0.000 | 180 | $1,756.67 |
| Conventional ARM | |||||
| Conventional ARM: Adjusts in 5 years¹ | 3.250% | 3.375% | 0.500 | 60 | $1,122.61 |
| * 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
Assumptions - Conventional ARM
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. |
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 | 5.625% | 5.650% |
| 15 Year Fixed | 5.750% | 5.767% |
| 30 Year Fixed | 6.000% | 6.070% |
| FHA Fixed | ||
| 15 Year Fixed FHA | 5.625% | 6.334% |
| 30 Year Fixed FHA | 6.125% | 6.862% |
Important Rate Details and Other Disclosures
| Loans | Rate | APR** | Points | # of Payments | Payment |
| Conventional Fixed | |||||
| Conventional Fixed: 10 year | 3.250% | 3.370% | 0.000 | 120 | $2,385.27 |
| Conventional Fixed: 15 year | 3.500% | 3.625% | 0.000 | 180 | $1,725.25 |
| Conventional Fixed: 30 year | 4.375% | 4.450% | 0.000 | 360 | $1193.54 |
| FHA Fixed*** | |||||
| FHA Fixed: 15 year | 3.500% | 3.625% | 0.000 | 180 | $1,741.25 |
| FHA Fixed: 30 year | 4.125% | 4.405% | 0.000 | 360 | $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. *** The advertised APR on FHA loans includes an amount for up front mortgage insurance premium in an amount equal to 1.75% of the loan amount. The monthly payment for FHA loans does not include monthly mortgage insurance premium. |
Assumptions - Conventional Fixed
Assumptions - FHA Fixed
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. |
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% |
Important Rate Details and Other Disclosures
| Loans | Rate | APR** | Points | # of Payments | Payment |
| Conventional ARM | |||||
| Conventional ARM: Adjusts in 5 years² | 3.250% | 3.375% | 0.500 | 60 | $1,122.61 |
| Conventional ARM: Adjusts in 7 years³ | 3.500% | 3.625% | 0.500 | 84 | $1,088.01 |
| 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. Conventional 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). Conventional ARM: Adjusts in 7 years. The Rate on this adjustable rate loan is variable and is subject to increase or decrease after 7 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 7). |
Assumptions - Conventional ARM
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. |
- 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% |
Important Rate Details and Other Disclosures
| Loans | Rate | APR** | Points | # of Payments | Payment |
| FHA Fixed*** | |||||
| FHA Fixed: 15 year | 5.625% | 6.334% | 0.00 | 180 | $1,771.90 |
| FHA Fixed: 30 year | 6.125% | 4.705% | 0.00 | 360 | $1,140.13 |
| * 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. *** The advertised APR on FHA loans includes an amount for up front mortgage insurance premium in an amount equal to 1.75% of the loan amount. The monthly payment for FHA loans does not include monthly mortgage insurance premium. |
Assumptions - FHA Fixed
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. |
