Mortgage Rates

Note: Conforming loan amounts in most locations is $484,350. All loan amounts higher than Conforming are considered Jumbo loans.

Purchase LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30 Year Fixed Jumbo3.750%3.826%0.625$4,515360
15 Year Fixed Jumbo2.875%2.919%0$6,675180
30/15 Year Fixed Balloon Jumbo3.250%3.356%0.75$4,243180
5/1 ARM Jumbo2.750%3.763%0.25$3,980360
7/1 ARM Jumbo3.000%3.710%0.25$4,111360
10/1 ARM Jumbo3.125%3.607%0.25$4,177360
30 Year Fixed Conforming3.375%3.426%0.125$1,989360
15 Year Fixed Conforming2.875%2.948%0$3,081180
30/15 Year Fixed Balloon Conforming3.000%3.126%0.75$1,897180
5/1 ARM Conforming2.625%3.577%0.25$1,807360
7/1 ARM Conforming3.000%3.595%0.25$1,897360
10/1 ARM Conforming3.125%3.527%0.25$1,928360

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Rates effective 8/22/2019. The examples shown here are based on an owner-occupied single-family detached house located in the state of California. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval and membership eligibility. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those shown.
Fixed Rate Loan payment examples: Jumbo monthly payments are based on a purchase price of $1,300,000, 25% down payment, FICO® score of 750 or greater and loan amount of $975,000. Conforming monthly payments are based on a purchase price of $600,000, 25% down payment, FICO® score of 750 or greater and loan amount of $450,000. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. The 30/15 Year loans are amortized like a 30-year mortgage with a fixed rate, but at the end of 15 years the remaining balance (aka the balloon) must be paid in full.
Adjustable Rate Mortgage (ARM) Loan payment examples: ARM loans have a 30-year term with an initial fixed-rate period which may be 3, 5, 7 or 10 years. After the initial fixed-rate period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. The APR is subsequently variable, based on the LIBOR Index as published in The Wall Street Journal Money Rates Table (“Index”), and subject to increase during the loan term. Example: The monthly payments for the initial fixed-rate period for Jumbo ARM loans are based on a purchase price of $1,300,000, 25% down payment, FICO® score of 750 or greater and loan amount of $975,000. The monthly payments for the initial fixed-rate period for Conforming ARM loans are based on a purchase price of $600,000, 25% down payment, FICO® score of 750 or greater and loan amount of $450,000. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

 

 

Refinance LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30 Year Fixed Jumbo3.750%3.896%1.625$4,515360
15 Year Fixed Jumbo2.875%3.039%1$6,675180
30/15 Year Fixed Balloon Jumbo3.250%3.442%1.75$4,243180
5/1 ARM Jumbo2.750%3.800%0.875$3,980360
7/1 ARM Jumbo3.000%3.747%0.875$4,111360
10/1 ARM Jumbo3.125%3.643%0.875$4,177360
30 Year Fixed Conforming3.375%3.459%0.75$1,989360
15 Year Fixed Conforming3.000%3.079%0.25$3,108180
30/15 Year Fixed Balloon Conforming3.000%3.168%1.375$1,897180
5/1 ARM Conforming2.625%3.610%0.875$1,807360
7/1 ARM Conforming3.000%3.628%0.875$1,897360
10/1 ARM Conforming3.125%3.560%0.875$1,928360

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Rates effective 8/22/2019. The examples shown here are based on an owner-occupied single-family detached house located in the state of California. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval and membership eligibility. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those shown.
Fixed Rate Loan payment examples: Jumbo monthly payments are based on a property value of $1,300,000, FICO® score of 750 or greater and loan amount of $975,000. Conforming monthly payments are based on a property value of $600,000, FICO® score of 750 or greater and loan amount of $450,000. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. The 30/15 Year loans are amortized like a 30-year mortgage with a fixed rate, but at the end of 15 years the remaining balance (aka the balloon) must be paid in full.
Adjustable Rate Mortgage (ARM) Loan payment examples: ARM loans have a 30-year term with an initial fixed-rate period which may be 3, 5, 7 or 10 years. After the initial fixed-rate period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. The APR is subsequently variable, based on the LIBOR Index as published in The Wall Street Journal Money Rates Table (“Index”), and subject to increase during the loan term. Example: The monthly payments for the initial fixed-rate period for Jumbo ARM loans are based on a property value of $1,300,000, FICO® score of 750 or greater and loan amount of $975,000. The monthly payments for the initial fixed-rate period for Conforming ARM loans are based on a property value of $600,000, FICO® score of 750 or greater and loan amount of $450,000. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

 

 

Investment Rental LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30/15 Year Fixed Balloon Jumbo3.250%3.356%3.375$4,243180
30 Year Fixed Conforming3.375%3.600%2.25$1,989360
15 Year Fixed Conforming3.000%3.329%1.75$3,108180
30/15 Year Fixed Balloon Conforming3.000%3.395%3.375$1,897180

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Rates effective 8/22/2019. The examples shown here are based on a non-owner-occupied single-family detached house located in the state of California. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval and membership eligibility. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those shown.
Fixed Rate Loan payment examples: Jumbo monthly payments are based on a purchase price of $1,300,000, 25% down payment, FICO® score of 750 or greater and loan amount of $975,000. Conforming monthly payments are based on a purchase price of $600,000, 25% down payment, FICO® score of 750 or greater and loan amount of $450,000. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. The 30/15 Year loans are amortized like a 30-year mortgage with a fixed rate, but at the end of 15 years the remaining balance (aka the balloon) must be paid in full.

 

 

Home Equity LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
20 Yr Fixed Second Mortgage5.500%6.053%0$1,720240
Prime HELOC 10 yr Draw/10 yr Repay5.500%5.500%0$1,146240

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Rates effective 8/22/2019. The examples shown here are based on an owner-occupied single-family detached house located in the state of California. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval and membership eligibility. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those shown.
Fixed Rate Home Equity Loan payment example: The Fixed loan payment is based on a loan amount of $250,000, 60% Combined Loan-to-Value (CLTV), and a FICO® score of 750 or greater. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

Home Equity Line of Credit payment example: The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”) plus .250% (“Margin”). The floor rate is equal to the Index published at the time of loan application. The lifetime maximum variable APR is 16.00%. The HELOC payment is based on a loan amount of $250,000, 80% Combined Loan to Value (CLTV), and a FICO® score of 750 or greater. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Equity lines have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only. There is no annual fee or early termination fee.All loans are subject to verification of equity. Limited to owner occupied one- or two-unit properties located in California. Other restrictions on property may apply. Member pays title and escrow costs. Property insurance required. Flood insurance may be required. Maximum financing may be reduced in areas where properties are in declining market. Rates and terms are subject to change without notice. Additional terms and conditions may apply. Lifetime Maximum APR is 15%.

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