RATES & PRICING

1-877-981-LOAN

RATES & PRICING - california

CONFORMING | HIGH BALANCE CONFORMING | JUMBO | INVESTMENT PROPERTY

GUARANTEED CLOSING COSTS, THE INTEREST RATE, POINTS AND/OR REBATES ARE DELIVERED IF THE INTEREST RATE WAS LOCKED IN AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE. A RATE LOCK DOES NOT GUARANTEE LOAN APPROVAL OR LOAN CLOSING.DUE TO U.S. TREASURY SECURITIES MARKETS AND/OR OTHER FACTORS, RATES, TERMS AND PROGRAMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. APPLYING FOR A MORTGAGE LOAN OR LOCKING IN AN INTEREST RATE DOES NOT OBLIGATE YOU TO CLOSE THE LOAN.

MORTGAGE LOAN COMPENSATION IS EITHER (1) BORROWER PAID OR (2) LENDER PAID, NOT BOTH. PLEASE CLICK HERE TO REVIEW (1) BORROWER-PAID COMPENSATION OR (2) LENDER PAID OR YIELD SPREAD CREDIT REBATE COMPENSATION.

FEDERAL RULES ARE DESIGNED TO GUIDE THE BORROWER INTO A LOWER INTEREST RATE, PROVIDED THAT THE LENDER PAID REBATE CREDIT EXCEEDS A COMBINATION OF: (1) NON-RECURRING CLOSING COSTS PLUS (2) ACCRUED INTEREST ON THE PROPOSED LOAN PLUS (3) HOME OWNERS INSURANCE PREMIUMS DUE, IF ANY, PLUS (4) IMPOUND DEPOSITS, IF ANY, AS APPLICABLE. IF THE LENDER PAID REBATE CREDIT EXCEEDS ITEMS 1-5 ABOVE THEN THE BORROWER MUST TAKE A LOWER INTEREST RATE WITH A LESSER REBATE OR ANY EXCESS REBATE MAY BE APPLIED TOWARDS PRINCIPAL CURTAILMENT OR LOAN BALANCE REDUCTION.

IT IS VERY IMPORTANT TO UNDERSTAND THAT POINTS AND/OR REBATE CREDIT POINTS, IF ANY, ARE DIRECTLY LINKED TO A SPECIFIC INTEREST % RATE AND ARE EXPRESSED AS A TOTAL IN THE NET POINTS COLUMN. THE COMBINATION OF POINTS AND ANY REBATE CREDIT POINTS SHOULD BE CONSIDERED BY YOU IN CLOSING THE LOAN.

Interest Rates,Terms and/or Loan Programs can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.

LAST UPDATE: 11-20-2024 10:27:04 PST

NOTE RATE% AND NET POINT QUOTES ARE CALCULATED BASED ON $802,650 CONFORMING LOAN, $1,149,825 HIGH-BALANCE CONFORMING AND A $3.0 MILLION JUMBO LOAN AMOUNT. APR% QUOTES MAY NOT REFLECT CERTAIN RECURRING ITEMS SUCH AS PMI, PROPERTY TAXES AND/OR HOMEOWNER'S INSURANCE AND ARE BASED ON THE NON-RECURRING CLOSING COSTS, IF ANY. TERMS CAN VARY DUE TO FICO SCORE, LOAN-TO-VALUE, DEBT-TO-INCOME RATIOS AND/OR OTHER UNDERWRITING FACTORS. APR% MAY VARY DUE TO THE COMPILATION OF CLOSING COSTS USED TO COMPUTE A RESPECTIVE APR% AND MAY DIFFER FROM THE ACTUAL APR% EXPRESSED IN THE LENDER'S SUPERSEDING LOAN DISCLOSURES. FOCUS ON THE NOTE RATE%, NON-RECURRING COSTS PLUS NET POINTS OR MINUS OFFSETTING LENDER REBATE CREDIT POINTS, IF ANY. CONFORMING PROGRAM QUOTES ARE TYPICALLY EXPRESSED AS A GUIDE TO SINGLE FAMILY RESIDENCE BASE PRICING AT <=75% LOAN-TO-VALUE, FICO SCORE 780, FULL INCOME & ASSET DOCUMENTATION. PLEASE SEE NOTES IN EACH PROGRAM BOX. RATES, PROGRAMS AND/OR TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ERRORS & OMISSION EXCEPTED. CALL 877-981-5626 FOR CLARIFICATION ON FICO SCORE, LOAN-TO-VALUE AND/OR OTHER FACTORS SUCH AS PROPERTY TYPE, PURCHASE AND/OR REFINANCING.

CONFORMING | HIGH BALANCE CONFORMING | JUMBO | INVESTMENT PROPERTY

CONFORMING

SINGLE FAMILY RESIDENCE, OWNER OCCUPIED OR 2ND HOME, FULL INCOME & ASSET DOCUMENTATION. MINIMUM 620 MIN SCORE. 1 UNIT $802,650 - 2 UNITS $1,027,750 - 3 UNITS $1,242,250 - 4 UNITS $1,543,900

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!

CONFORMING CLICK HERE FOR DISCLOSURE OF LOAN TERMS

CLICK HERE FOR MONTHLY PAYMENT CALCULATOR	NOTE RATE %	+ POINTS OR - REBATE	APR %	LOCK DAYS	CLOSING COSTS
CONFORMING 30 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.	6.625	+0.104	APR CALC	30	View
	6.500	+0.434	APR CALC	30	View
	6.375	+0.796	APR CALC	30	View
	6.250	+1.229	APR CALC	30	View

CONFORMING 20 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.	6.375	+0.101	APR CALC	30	View
	6.250	+0.470	APR CALC	30	View
	6.125	+0.904	APR CALC	30	View
	5.990	+1.141	APR CALC	30	View

CONFORMING 15 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.	5.875	+0.326	APR CALC	30	View
	5.750	+0.616	APR CALC	30	View
	5.625	+0.897	APR CALC	30	View
	5.500	+1.358	APR CALC	30	View

CONFORMING 10 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.	5.875	+0.173	APR CALC	30	View
	5.750	+0.398	APR CALC	30	View
	5.625	+0.662	APR CALC	30	View
	5.500	+1.102	APR CALC	30	View

Click Here For Monthly Payment Calculator
CONFORMING 30 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.625	+0.104	APR CALC	30	View
6.500	+0.434	APR CALC	30	View
6.375	+0.796	APR CALC	30	View
6.250	+1.229	APR CALC	30	View

CONFORMING 20 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.375	+0.101	APR CALC	30	View
6.250	+0.470	APR CALC	30	View
6.125	+0.904	APR CALC	30	View
5.990	+1.141	APR CALC	30	View

CONFORMING 15 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
5.875	+0.326	APR CALC	30	View
5.750	+0.616	APR CALC	30	View
5.625	+0.897	APR CALC	30	View
5.500	+1.358	APR CALC	30	View

CONFORMING 10 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT LENDER REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
5.875	+0.173	APR CALC	30	View
5.750	+0.398	APR CALC	30	View
5.625	+0.662	APR CALC	30	View
5.500	+1.102	APR CALC	30	View

CONFORMING | HIGH BALANCE CONFORMING | JUMBO | INVESTMENT PROPERTY

HIGH BALANCE CONFORMING

SINGLE FAMILY RESIDENCE, OWNER OCCUPIED OR 2ND HOME. LOAN LIMITS MAY VARY BY COUNTY. FULL ASSET AND INCOME DOCUMENTATION. MINIMUM 620 FICO SCORE. PLEASE CALL FOR PRICING ON INVESTMENT PROPERTY. 1 UNIT $1,149,825 - 2 UNITS $1,472,250 - 3 UNITS $1,779,525 - 4 UNITS $2,211,600

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!

HIGH BALANCE CONFORMING CLICK HERE FOR DISCLOSURE OF LOAN TERMS

CLICK HERE FOR MONTHLY PAYMENT CALCULATOR	NOTE RATE %	+ POINTS OR - REBATE	APR %	LOCK DAYS	CLOSING COSTS
HIGH BALANCE 30 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.	6.750	+0.249	APR CALC	30	View
	6.625	+0.829	APR CALC	30	View
	6.500	+1.034	APR CALC	30	View
	6.375	+1.396	APR CALC	30	View

HIGH BALANCE CONF 20 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.	6.500	+0.310	APR CALC	30	View
	6.375	+0.601	APR CALC	30	View
	6.250	+0.970	APR CALC	30	View
	6.125	+1.404	APR CALC	30	View

HIGH BALANCE CONF 15 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.	6.125	+0.248	APR CALC	30	View
	5.990	+0.577	APR CALC	30	View
	5.875	+0.826	APR CALC	30	View
	5.750	+1.116	APR CALC	30	View

Click Here For Monthly Payment Calculator
HIGH BALANCE 30 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.750	+0.249	APR CALC	30	View
6.625	+0.829	APR CALC	30	View
6.500	+1.034	APR CALC	30	View
6.375	+1.396	APR CALC	30	View

HIGH BALANCE CONF 20 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.500	+0.310	APR CALC	30	View
6.375	+0.601	APR CALC	30	View
6.250	+0.970	APR CALC	30	View
6.125	+1.404	APR CALC	30	View

HIGH BALANCE CONF 15 YEAR FIXED FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.125	+0.248	APR CALC	30	View
5.990	+0.577	APR CALC	30	View
5.875	+0.826	APR CALC	30	View
5.750	+1.116	APR CALC	30	View

CONFORMING | HIGH BALANCE CONFORMING | JUMBO | INVESTMENT PROPERTY

JUMBO

BASE RATE PURCHASE PRICING QUOTED WITH 780 FICO SCORE <=60% LTV. PLEASE CALL FOR QUOTES ON HIGHER LOAN AMOUNTS/LTV AND OTHER SCENARIOS.

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!

JUMBO CLICK HERE FOR DISCLOSURE OF LOAN TERMS

CLICK HERE FOR MONTHLY PAYMENT CALCULATOR	NOTE RATE %	+ POINTS OR - REBATE	APR %	LOCK DAYS	CLOSING COSTS
JUMBO 30 YEAR FIXED FICO/LTV ADDS APPLY. 1-4 UNITS, NO PREPAYMENT PENALTY. NO IMPOUNDS. SPECIFIC ADD PARAMETERS APPLY.	6.500	+0.308	APR CALC	30	View
	6.375	+0.695	APR CALC	30	View
	6.250	+1.172	APR CALC	30	View
	6.125	+1.587	APR CALC	30	View

2ND TD - OWNER, 2ND HM, INVESTMENT MAX $500K 30 YEAR FIXED, MIN FICO 680. NO PREPAYMENT PENALTY. PRICING TO 90% CLTV. CALL FOR SPECIFIC DETAILS.	8.500	0.000	APR CALC	30	View
			APR CALC
			APR CALC
			APR CALC

Click Here For Monthly Payment Calculator
JUMBO 30 YEAR FIXED FICO/LTV ADDS APPLY. 1-4 UNITS, NO PREPAYMENT PENALTY. NO IMPOUNDS. SPECIFIC ADD PARAMETERS APPLY.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.500	+0.308	APR CALC	30	View
6.375	+0.695	APR CALC	30	View
6.250	+1.172	APR CALC	30	View
6.125	+1.587	APR CALC	30	View

2ND TD - OWNER, 2ND HM, INVESTMENT MAX $500K 30 YEAR FIXED, MIN FICO 680. NO PREPAYMENT PENALTY. PRICING TO 90% CLTV. CALL FOR SPECIFIC DETAILS.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
8.500	0.000	APR CALC	30	View
		APR CALC
		APR CALC
		APR CALC

CONFORMING | HIGH BALANCE CONFORMING | JUMBO | INVESTMENT PROPERTY

INVESTMENT PROPERTY

NON-OWNER PURCHASE MAX 80% LTV. PLEASE CALL FOR DETAILS.

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!

INVESTMENT PROPERTY CLICK HERE FOR DISCLOSURE OF LOAN TERMS

CLICK HERE FOR MONTHLY PAYMENT CALCULATOR	NOTE RATE %	+ POINTS OR - REBATE	APR %	LOCK DAYS	CLOSING COSTS
SINGLE FAMILY INVESTMENT PROP 30 YEAR FIXED 1 UNIT CONFORMING @ 60% LTV. FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.	6.875	+0.432	APR CALC	30	View
	6.750	+0.774	APR CALC	30	View
	6.625	+1.229	APR CALC	30	View
	6.500	+1.559	APR CALC	30	View

2-4 UNITS INVESTMENT PROP 30 YEAR FIXED 2 UNITS CONFORMING $981,500 3 UNITS CONFORMING $1,186,350 4 UNITS CONFORMING $1,474,400 FICO >60% LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.	6.875	+0.432	APR CALC	30	View
	6.750	+0.774	APR CALC	30	View
	6.625	+1.229	APR CALC	30	View
	6.500	+1.559	APR CALC	30	View

Click Here For Monthly Payment Calculator
SINGLE FAMILY INVESTMENT PROP 30 YEAR FIXED 1 UNIT CONFORMING @ 60% LTV. FICO/LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.875	+0.432	APR CALC	30	View
6.750	+0.774	APR CALC	30	View
6.625	+1.229	APR CALC	30	View
6.500	+1.559	APR CALC	30	View

2-4 UNITS INVESTMENT PROP 30 YEAR FIXED 2 UNITS CONFORMING $981,500 3 UNITS CONFORMING $1,186,350 4 UNITS CONFORMING $1,474,400 FICO >60% LTV ADDS APPLY. NO PREPAYMENT PENALTY. NO IMPOUNDS. LOCK AVAILABLE AT REGISTRATION.
NOTE RATE %	NET POINTS	APR %	LOCK DAYS	CLOSING COSTS
6.875	+0.432	APR CALC	30	View
6.750	+0.774	APR CALC	30	View
6.625	+1.229	APR CALC	30	View
6.500	+1.559	APR CALC	30	View

CLICK TO READ THE DISCLOSURE OF IMPORTANT LOAN TERMS

NOTE RATE% AND NET POINT QUOTES ARE CALCULATED BASED ON $802,650 CONFORMING LOAN, $1,149,825 HIGH-BALANCE CONFORMING LOAN AND A $3.0 MILLION JUMBO LOAN. APR% QUOTES DO NOT REFLECT CERTAIN RECURRING ITEMS SUCH AS PMI, PROPERTY TAXES AND/OR HOMEOWNER'S INSURANCE AND ARE BASED ON THE NET NON-RECURRING CLOSING COSTS, IF ANY. TERMS CAN VARY DUE TO FICO SCORE, LOAN-TO-VALUE, DEBT-TO-INCOME RATIOS AND/OR OTHER UNDERWRITING FACTORS. APR% MAY VARY DUE TO THE COMPILATION OF CLOSING COSTS USED TO COMPUTE A RESPECTIVE APR% AND MAY DIFFER FROM THE ACTUAL APR% EXPRESSED IN THE LENDER'S SUPERSEDING LOAN DISCLOSURES. FOCUS ON THE NOTE RATE%, NON-RECURRING COSTS PLUS NET POINTS OR MINUS OFFSETTING LENDER REBATE CREDIT POINTS, IF ANY. THE LOAN PROGRAM QUOTES ARE TYPICALLY EXPRESSED AS A GUIDE TO SINGLE FAMILY RESIDENCE BASE PRICING AT <=75% LOAN-TO-VALUE, FICO SCORE 780, FULL ASSET & INCOME DOCUMENTATION. PLEASE SEE NOTES IN EACH PROGRAM BOX. RATES, PROGRAMS AND/OR TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ERRORS & OMISSION EXCEPTED. CALL 877-981-5626 FOR CLARIFICATION ON FICO SCORE, LOAN-TO-VALUE AND/OR OTHER FACTORS SUCH AS PROPERTY TYPE, PURCHASE AND/OR REFINANCING.

Interest Rates, Terms and/or Loan Programs can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.

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RATES & PRICING

RATES & PRICING - california

LAST UPDATE: 11-20-2024 10:27:04 PST

CONFORMING

HIGH BALANCE CONFORMING

JUMBO

INVESTMENT PROPERTY

CLICK TO READ THE DISCLOSURE OF IMPORTANT LOAN TERMS