Fixed Rate Mortgages For California Homeowners

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Fixed-Rate Mortgages

CONFORMING FIXED-RATE MORTGAGES

30-Year Fixed
Mortgage

RATES AS LOW AS

5.750% Rate

5.935% APR*

15-Year Fixed
Mortgage

RATES AS LOW AS

4.990% Rate

5.315% APR*

Loan balances up to $726,200. A traditional fixed-rate mortgage has a fixed interest rate and monthly payments that never change, which are great for those wanting a steady monthly payment.

CONFORMING HIGH BALANCE FIXED RATE MORTGAGES

30-Year Fixed
Mortgage

RATES AS LOW AS

6.125% Rate

6.316% APR*

15-Year Fixed
Mortgage

RATES AS LOW AS

5.500% Rate

5.775% APR*

Loan balances above $726,200 and up to $1,089,300 (depending on county limits). A traditional fixed-rate mortgage has a fixed interest rate and monthly payments that never change which are great for those wanting a steady monthly payment.

JUMBO BALANCE FIXED RATE MORTGAGES

30-Year Fixed Mortgage

RATES AS LOW AS

6.990% Rate

7.136% APR*

Loan balances above $1,089,300 (depending on county limits) and up to $2.5 million. Jumbo loans are also called nonconforming loans because they are over conventional loan limits. 

*APR is annual percentage rate
Rates subject to change. 

Rates as of:

December 2nd, 2022 @ 9:00am PST

*LEGAL DESCRIPTION

30-Yr Fixed (Loan Amounts Up to $726,200) has a fixed rate for the entire loan term of 30 years. The interest rate of 5.750% (5.935% APR) assumes a purchase loan in the amount of $625,000 and an estimated property value of $781,250 (80% loan-to-value) for an existing, single-family house located in Contra Costa County, CA, expected to be used as a primary residence. The loan payment of $3,647.33 is due each month for 360 months. The rate lock period is 30 days and the assumed credit score is 760.

15-Yr Fixed (Loan Amounts Up to $726,200) has a fixed rate for the entire loan term of 15 years. The interest rate of 4.990% (5.315% APR) assumes a purchase loan in the amount of $625,000 and an estimated property value of $781,250 (80% loan-to-value) for an existing, single-family house located in Contra Costa County, CA, expected to be used as a primary residence. The loan payment of $4,939.21 is due each month for 180 months. The rate lock period is 30 days and the assumed credit score is 760.

30-Yr Fixed High Balance (Loan Amounts Up to $1,089,300) has a fixed rate for the entire loan term of 30 years. The interest rate of 6.125% (6.316% APR) assumes a purchase loan in the amount of $822,375 and an estimated property value of $1,027,969 (80% loan-to-value) for an existing, single-family house located in Contra Costa County, CA, expected to be used as a primary residence. The loan payment of $4,996.84 is due each month for 360 months. The rate lock period is 30 days and the assumed credit score is 760.

15-Yr Fixed High Balance (Loan Amounts Up to $1,089,300) has a fixed rate for the entire loan term of 15 years. The interest rate of 5.500% (5.775% APR) assumes a purchase loan in the amount of $822,375 and an estimated property value of $1,027,969 (80% loan-to-value) for an existing, single-family house located in Contra Costa County, CA, expected to be used as a primary residence. The loan payment of $6,719.49 is due each month for 180 months. The rate lock period is 30 days and the assumed credit score is 760.

30-Yr Fixed Jumbo (Loan Amounts Up to $2,500,000) has a fixed rate for the entire loan term of 30 years. The interest rate of 6.990% (7.136% APR) assumes a purchase loan in the amount of $1.5mm and an estimated property value of $1,875,000 (80% loan-to-value) for an existing, single-family house located in Contra Costa County, CA, expected to be used as a primary residence. The loan payment of $9,969.47 is due each month for 360 months. The rate lock period is 30 days and the assumed credit score is 760.

These rates are not guaranteed and are subject to change. Rates shown are not available in all areas. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.