Mortgage Loan Rates

Find the perfect loan for your perfect home


Rates shown as of 12/15/2019. All rates and points quoted are subject to change at any time without notice.

The rates shown below are for California, Colorado, & Michigan. If you are located in a different state, check for other rates.

Our Mortgage Loan Consultants are here to help you get started with your home loan. Give them a call at 877.404.3728 . If you're ready to apply, complete our online loan application.




Fixed-Rate Mortgage Programs

Conforming Fixed-Rate Programs - Loans up to $484,350

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year Fixed Conforming 3.625% 0.625% 3.891% 360 $1,596.18
3.750% -0.125% 3.955% 360 $1,620.90
3.875% -0.500% 4.051% 360 $1,645.83
20-Year Fixed Conforming 3.500% 0.625% 3.869% 240 $2,029.86
3.625% -0.125% 3.909% 240 $2,052.41
3.750% -0.750% 3.963% 240 $2,075.11
15-Year Fixed Conforming 3.375% -0.125% 3.735% 180 $2,480.66
3.500% -0.625% 3.788% 180 $2,502.09
3.625% -1.000% 3.859% 180 $2,523.63
10-Year Fixed Conforming 3.125% 0.000% 3.668% 120 $3,399.86
3.250% -0.125% 3.769% 120 $3,420.17
3.375% -0.500% 3.816% 120 $3,440.55
APR shown based on a loan amount of $350,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

High-Balance Fixed Rate Loans - Amounts from $484,351 - $726,525

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year High-Balance Fixed 3.750% 0.625% 3.979% 360 $2,547.14
3.875% 0.125% 4.064% 360 $2,586.30
4.000% -0.250% 4.159% 360 $2,625.78
15-Year High-Balance Fixed 3.500% -0.250% 3.774% 180 $3,931.85
3.625% -0.625% 3.845% 180 $3,965.70
3.750% -0.750% 3.954% 180 $3,999.72
APR based on a loan amount of $550,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

Jumbo Fixed Rate Loans - Amounts to $4,000,000

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year Jumbo Fixed 4.000% -0.250% 4.155% 360 $4,058.03
4.125% -0.375% 4.271% 360 $4,119.52
4.250% -0.750% 4.366% 360 $4,181.49
15-Year Jumbo Fixed 3.500% -0.250% 3.766% 180 $6,076.50
3.625% -0.625% 3.837% 180 $6,128.81
3.750% -0.750% 3.946% 180 $6,181.39
APR shown based on a loan amount of $850,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.


Adjustable Rate Mortgage Programs

Adjustable Rate Programs Loan Amounts to $484,350

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
5/1 Adjustable Rate Loan 2.875% -0.250% 3.947% 360 $1,452.12
3.000% -0.500% 3.972% 360 $1,475.61
3.125% -0.750% 3.996% 360 $1,499.31
7/1 Adjustable Rate Loan 3.125% -0.625% 3.879% 360 $1,499.31
3.250% -0.875% 3.917% 360 $1,523.22
3.375% -1.125% 3.956% 360 $1,547.34
5/5 Adjustable Rate Loan 3.000% 0.375% 3.738% 360 $1,475.61
3.125% 0.000% 3.761% 360 $1,499.31
3.250% -0.250% 3.783% 360 $1,523.22
10/1 Adjustable Rate Loan 3.250% -0.625% 3.793% 360 $1,523.22
3.375% -0.875% 3.850% 360 $1,547.34
3.500% -1.250% 3.896% 360 $1,571.66
APR based on a loan amount of $350,000. Program shown for single-family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.




Jumbo Adjustable Rate Programs Loan Amounts to $4,000,000

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
5/1 Jumbo Adjustable 2.875% -0.250% 3.905% 360 $3,526.59
3.000% -0.500% 3.929% 360 $3,583.63
3.125% -0.750% 3.954% 360 $3,641.19
7/1 Jumbo Adjustable 3.125% -0.625% 3.836% 360 $3,641.19
3.250% -0.875% 3.875% 360 $3,699.25
3.375% -1.125% 3.913% 360 $3,757.82
5/5 Jumbo Adjustable 3.000% -0.250% 3.724% 360 $3,583.63
3.125% -0.500% 3.747% 360 $3,641.19
3.250% -0.750% 3.769% 360 $3,699.25
10/1 Jumbo Adjustable 3.250% -0.625% 3.751% 360 $3,699.25
3.375% -0.875% 3.807% 360 $3,757.82
3.500% -1.250% 3.854% 360 $3,816.88
APR shown based on a loan amount of $850,000. Program shown for single family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
Special Offer - 5/5 No Cost Jumbo Adjustable Rate Loan 3.500% 0.000% 3.588% 360 $3,816.88
APR based on a loan amount of $850,000. Program shown for single-family homes only. For point quotes preceded by a minus sign (-), a credit of the indicated percentage will be applied toward closing costs.