Mortgage Loan Rates

Find the perfect loan for your perfect home


Rates shown as of 1/18/2019. 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 4.375% 0.500% 4.449% 360 $2,117.47
4.500% 0.000% 4.533% 360 $2,148.85
4.625% -0.375% 4.626% 360 $2,180.47
20-Year Fixed Conforming 4.250% 0.375% 4.337% 240 $2,626.17
4.375% 0.000% 4.419% 240 $2,654.53
4.500% -0.500% 4.485% 240 $2,683.07
15-Year Fixed Conforming 3.875% 0.125% 3.949% 180 $3,110.52
4.000% -0.250% 4.019% 180 $3,137.02
4.125% -0.750% 4.070% 180 $3,163.65
10-Year Fixed Conforming 3.750% 0.250% 3.884% 120 $4,243.60
3.875% 0.000% 3.956% 120 $4,268.66
4.000% -0.375% 4.000% 120 $4,293.81
APR shown based on a loan amount of $453,100. 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 - $679,650

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year High-Balance Fixed 4.375% 0.500% 4.449% 360 $3,176.20
4.500% 0.000% 4.533% 360 $3,223.28
4.625% -0.250% 4.636% 360 $3,270.70
15-Year High-Balance Fixed 3.875% 0.125% 3.949% 180 $4,665.78
4.000% -0.250% 4.019% 180 $4,705.52
4.125% -0.625% 4.089% 180 $4,745.47
APR based on a loan amount of $636,150. 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 4.375% 0.500% 4.444% 360 $3,495.00
4.500% 0.000% 4.525% 360 $3,546.80
4.625% -0.250% 4.630% 360 $3,598.98
15-Year Jumbo Fixed 3.875% 0.125% 4.495% 180 $5,134.08
4.000% -0.250% 4.545% 180 $5,177.82
4.125% -0.625% 4.632% 180 $5,221.77
APR shown based on a loan amount of $700,000. 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 $453,100

 

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
5/1 Adjustable Rate Loan 3.125% 0.250% 4.501% 360 $1,816.74
3.250% 0.000% 4.532% 360 $1,845.71
3.375% -0.250% 4.556% 360 $1,874.93
7/1 Adjustable Rate Loan 3.500% 0.250% 4.444% 360 $1,904.40
3.625% 0.000% 4.483% 360 $1,934.11
3.750% -0.375% 4.510% 360 $1,964.07
5/5 Adjustable Rate Loan 3.250% 0.250% 4.398% 360 $1,845.71
3.375% 0.000% 4.421% 360 $1,874.93
3.500% -0.250% 4.445% 360 $1,904.40
10/1 Adjustable Rate Loan 3.750% 0.250% 4.344% 360 $1,964.07
3.875% 0.000% 4.400% 360 $1,994.28
4.000% -0.375% 4.445% 360 $2,024.72
APR based on a loan amount of $453,100. 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 3.125% 0.250% 4.498% 360 $2,998.63
3.250% 0.000% 4.529% 360 $3,046.44
3.375% -0.250% 4.552% 360 $3,094.67
7/1 Jumbo Adjustable 3.500% 0.250% 4.442% 360 $3,143.31
3.625% 0.000% 4.479% 360 $3,192.36
3.750% -0.375% 4.506% 360 $3,241.81
5/5 Jumbo Adjustable 3.250% 0.250% 4.394% 360 $3,046.44
3.375% 0.000% 4.418% 360 $3,094.67
3.500% -0.250% 4.441% 360 $3,143.31
10/1 Jumbo Adjustable 3.750% 0.250% 4.344% 360 $3,241.81
3.875% 0.000% 4.400% 360 $3,291.66
4.000% -0.375% 4.445% 360 $3,341.91
APR shown based on a loan amount of $700,000. 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.