Mortgage Loan Rates


All rates and points quoted are subject to change at any time without notice.

The rates shown below are for Arizona, California, Colorado, Michigan & Nevada. 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 $647,200

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year Fixed Conforming 3.375% 0.500% 3.625% 360 $1,547.34
3.500% 0.000% 3.711% 360 $1,571.66
3.625% -0.500% 3.796% 360 $1,596.18
20-Year Fixed Conforming 3.000% 1.750% 3.489% 240 $1,941.09
3.125% 0.875% 3.515% 240 $1,963.07
3.250% 0.125% 3.555% 240 $1,985.19
15-Year Fixed Conforming 2.625% 1.000% 3.135% 180 $2,354.41
2.750% 0.375% 3.170% 180 $2,375.18
2.875% 0.000% 3.242% 180 $2,396.05
10-Year Fixed Conforming 2.625% 0.500% 3.262% 120 $3,319.38
2.750% 0.375% 3.363% 120 $3,339.39
2.875% -0.125% 3.384% 120 $3,359.47

APR=Annual Percentage Rate. 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. Monthly payment amount is for principal and interest only and does not include insurance, taxes, PMI, etc. 

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.

High-Balance Fixed Rate Loans - Amounts from $674,201 - $970,800

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year High-Balance Fixed 3.375% 0.750% 3.607% 360 $2,431.53
3.500% 0.250% 3.693% 360 $2,469.75
3.625% -0.250% 3.778% 360 $2,508.28
15-Year High-Balance Fixed 2.375% 2.375% 3.014% 180 $3,635.07
2.500% 1.750% 3.049% 180 $3,667.34
2.625% 1.250% 3.103% 180 $3,699.79

APR = Annual Percentage Rate and is 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. Monthly payment amount is for principal and interest only and does not include insurance, taxes, PMI, etc.

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.

Jumbo Fixed Rate Loans - Amounts from $970,801 - $4,000,000

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
30-Year Jumbo Fixed 3.375% 0.500% 3.582% 360 $3,757.82
3.500% 0.000% 3.668% 360 $3,816.88
3.625% -0.500% 3.753% 360 $3,876.44
15-Year Jumbo Fixed 2.375% 2.125% 2.969% 180 $5,617.83
2.500% 1.500% 3.004% 180 $5,667.71
2.625% 1.000% 3.058% 180 $5,717.86

APR = Annual Percentage Rate and is based on a loan amount of $1,250,000. 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. Monthly payment amount is for principal and interest only and does not include insurance, taxes, PMI, etc.

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.

Adjustable Rate Mortgage Programs

Conforming Adjustable Rate Programs - Loans up to $647,200

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
5/6 Adjustable Rate Loan 2.375% -0.500% 3.186% 360 $1,360.28
2.500% -0.875% 3.200% 360 $1,382.92
2.625% -1.375% 3.204% 360 $1,405.78
7/6 Adjustable Rate Loan 2.625% -0.500% 3.189% 360 $1,405.78
2.750% -1.000% 3.207% 360 $1,428.84
2.875% -1.375% 3.236% 360 $1,452.12
5/5 Adjustable Rate Loan 2.250% 0.000% 3.543% 360 $1,337.86
2.375% -0.500% 3.548% 360 $1,360.28
2.500% -0.875% 3.562% 360 $1,382.92
10/6 Adjustable Rate Loan 2.750% -0.500% 3.156% 360 $1,428.84
2.875% -1.000% 3.193% 360 $1,452.12
3.000% -1.375% 3.240% 360 $1,475.61

APR = Annual Percentage Rate and is 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. APR and payment subject to change after loan consummation and is variable. Rate is fixed for the first 5, 7, or 10 years, depending on program. Monthly payment amount is for principal and interest only and does not include insurance, taxes, PMI, etc.

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.

Jumbo Adjustable Rate Programs - Amounts from $970,801 - $4,000,000

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
5/6 Jumbo Adjustable 2.500% -0.500% 3.189% 360 $3,358.53
2.625% -0.875% 3.203% 360 $3,414.03
2.750% -1.375% 3.207% 360 $3,470.05
7/6 Jumbo Adjustable 2.750% -0.500% 3.206% 360 $3,470.05
2.875% -1.000% 3.224% 360 $3,526.59
3.000% -1.375% 3.253% 360 $3,583.63
5/5 Jumbo Adjustable 2.375% -0.500% 3.514% 360 $3,303.55
2.500% -0.875% 3.527% 360 $3,358.53
2.625% -1.250% 3.540% 360 $3,414.03
10/6 Jumbo Adjustable 2.875% 0.032% 3.191% 360 $3,526.59
3.000% 0.032% 3.228% 360 $3,583.63
3.125% 0.033% 3.275% 360 $3,641.19

APR = Annual Percentage Rate and is based on a loan amount of $1,250,000. 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. APR and payment subject to change after loan consummation and is variable. Rate is fixed for first 5, 7, or 10 years, depending on program. Monthly payment amount is for principal and interest only and does not include insurance, taxes, PMI, etc.

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.  

Jumbo Adjustable Rate Programs - Interest Only - Amounts from $970,801 - $4,000,000

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
5/1 Jumbo Interest Only ARM 2.375% 0.000% 3.184% 360 $3,303.55
2.500% -0.500% 3.189% 360 $3,358.53
2.625% -0.875% 3.203% 360 $3,414.03
7/1 Jumbo Interest Only ARM 2.625% 0.000% 3.187% 360 $3,414.03
2.750% -0.500% 3.206% 360 $3,470.05
2.875% -1.000% 3.224% 360 $3,526.59
10/1 Jumbo Interest Only ARM 2.750% 0.000% 3.155% 360 $3,470.05
2.875% -0.500% 3.191% 360 $3,526.59
3.000% -1.000% 3.228% 360 $3,583.63
5/5 Jumbo Interest Only ARM 2.250% 0.000% 3.509% 360 $3,249.09
2.375% -0.500% 3.514% 360 $3,303.55
2.500% -0.875% 3.527% 360 $3,358.53

APR = Annual Percentage Rate and is based on a loan amount of $1,250,000. 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. Interest-only period is based on the program selected. 5, 7 or 10 years, based on the amount of outstanding principal balance. For the remaining 25 (5/1 IO), 23 (7/1 IO) or 20 (10/1 IO) years the payment will be calculated at principal and interest and will amortize over the remaining term. Rate will adjust on 5 (5/1 IO), 7 (7/1 IO) or 10 (10/1 IO) year anniversary date of loan depending on product chosen, and annually thereafter.  The 5/5 IO Programs Interest Only interest rate will adjust on the first 5 year anniversary date, but the payment will remain interest only for the next five years. On the 10 year anniversary date the interest rate will adjust again and calculate principal and interest payment and will adjust every 5 years after. Your interest rate cannot increase or decrease more than 2% (5/1 and 5/5), 5% (7/1 and 10/1) at first adjustment and 2% subsequent annual adjustment from your initial interest rate. Your interest rate will never be greater than 5% above your initial interest rate or lower than 2.5% (5/5) or 2.75% (5/1, 7/1 and 10/1). APR and payment subject to change after loan consummation and is variable. Monthly payment amount is for interest only and does not include insurance, taxes, PMI, etc.

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.  

Loan Program Rate Points APR # of
monthly payments
Monthly Payment Amount
Special Offer - 5/5 No Cost Jumbo Adjustable Rate Loan 2.500% 0.000% 3.473% 360 $3,358.53

APR = Annual Percentage Rate is based on a loan amount of $1,250,000. 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. APR and payment subject to change after loan consummation and is variable. Rate is fixed for the first 5 years and adjusts every 5 years after that. Monthly payment amount is for principal and interest only and does not include insurance, taxes, PMI, etc. 

APR and example shown based on: California owner-occupied, single-family residence at 60% Loan-to-Value ratio and a 740 representative credit score. Loans subject to borrower and property qualifications. Pricing is subject to an adjustment based on transaction characteristics. Not all applicants will be approved. Rate quoted as of today's date and are subject to change at any time.

NMLS # 401427