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Today’s Low Rates

***Rates provided for comparison Purposes Only. Not all programs are shown. Displayed rates are for PURCHASE scenarios. This is not an official rate quote. For loans in process, you must contact your loan officer for a real-time quote and to lock your rate. Rates subject to change without notice according to market conditions. Please review full disclosure below.***

Last Update: Monday, October 7, 2019 at 7:00 am PDT
Conforming ProgramsRatePointsAPR
30 yr Fixed Rate [FICO 740+]3.6250.6013.599
30-yr Fixed Rate
*1st-time Buyer 3% down*
[FICO = 720+]
3.5000.5003.670
20 yr Fixed740+] [2nd mtg 6.54%]3.7500.5003.862
15 yr Fixed Rate [FICO 740+]3.2500.5003.411
Conforming "High Balance" (HB) ProgramsRatePointsAPR
HB 30 yr Fixed Rate [FICO 740+]3.9900.5004.117
HB 20 yr Fixed Rate [FICO 740+] [2nd mtg 6.24%]3.8750.5004.006
HB 15 yr Fixed Rate [FICO 740+]3.5000.2503.622
Jumbo ProgramsRatePointsAPR
Jumbo 30 yr Fixed Rate [FICO 760+]4.1250.5004.254
Jumbo 15 yr Fixed Rate [FICO 760+]3.7500.5003.934
Government ProgramsRatePointsAPR
**UTAH Down Payment Assistance [Utah Housing]
Min FICO = 660
1st mtg = 3.750
2nd mtg = 5.750
1.000
0.000
5.099
5.901
**CA Down Payment Assistance [CalHFA}
Min FICO = 640
3.2501.5004.881
FHA / VA 30 yr Conforming3.375/3.3750.0004.125/3.811
FHA / VA 30 yr "High Balance"3.375/3.3750.0004.125/3.811
USDA / RURAL HOUSING3.5000.0003.877
Prime RateRateDate
Wall Street Journal5.250%08/01/2019

Except Government Loans, Conforming and High Balance loan products assume a 20% down payment. Jumbo loan products assume 25% down payment. view more specifics
***Rates shown are for marketing and comparison purposes only.  Rates, and points are subject to change without notice.

Today’s Low Rates – the Specifics and Assumptions

  • Government loan (FHA/VA) rates assume a loan amount of $160,000 or greater and a FICO score of 660 or greater.
  • Conventional loan rates assume a loan amount of $200,000 or greater and a FICO score of 760 or greater, and a down payment of 20% or more – unless shown otherwise.
  • Jumbo loan rates assume a loan amount of $625,501 or greater, and a down payment of 25% or more.
  • Unless shown otherwise, all rate quotes assume the loan is for the purchase of a Primary Residence.
  • Rate & Term refinances will have a slightly higher rate.
  • Cash-out refinances will have a higher rate.

There are many programs and options available not listed here.  Please call to learn more about other options and programs that may meet your needs better.

Rate-Lock Policy and Terms:

  • You may “lock-in” your interest rate M – F, from 8:30am to 5:00pm, EST.
  • Rate-locks are for periods of 30, 45, 90, 120, 150, and 180-days.
  • The longer your lock-in period, the higher your rate will be.
  • You may only “lock-in” your rate if you are refinancing or are purchasing a home and have a fully executed Purchase Agreement/Contract.
  • Upon locking in your rate, you will receive a “Lock Disclosure” email from our office within 24-business hours.
  • If you lock in your rate and rates improve by 0.25% or more, we can relock your rate (float down) to a lower rate.   This option is available only once.

Rate/APR and terms may vary based on the creditworthiness of the individual, loan size and type.

The following loan types/features carry higher rates and are not quoted on this page:

  1. Condominiums.
  2. Properties with 2 – 4 units.
  3. Investment properties/non-owner-occupied property loans.
  4. Conventional/High Balance Loans with FICO scores less than 760.
  5. Loan amounts below $200,000.
  6. “Cash-out” refinance loans (refinances where more than $1000 is received at closing) will have a higher rate of approximately 0.125% and may or may not – depending on market conditions – have a Discount Point, in full or in part.

Loan amounts and/or FICO scores below these minimums will have higher rates due to saleability and risk.  Please contact us for an exact quote on your specific loan scenario.  The rates listed above are general and are meant to provide a reasonable estimate of a what an interest rate for your particular loan might be.   The rates may or may not be current at any time due to unpredicable and sudden movement in the market throughout the day.

Rates are subject to change without notice based on market conditions.  Rates can and do change daily – sometimes throughout the day.  Please call to get an exact quote for your particular loan.

Mortgage Comparison

Compare us to the Big Banks

Last Update: Monday, October 7, 2019 at 7:00 am PDT
LenderRate (30-yr Fixed) PointsAPR
Citywide/Molina Group
9-Day Close!
3.9900.5004.125
Citywide/Molina Group
21-day Close!
3.7500.5003.868
Bank of America3.3750.8183.569
Wells Fargo
(25% Down Payment)
3.5000.5003.601
Quicken Loans a.k.a.
"Rocket Mortgage"
(25% down req'd)
3.750 2.1254.024

***Rates shown are for marketing and comparison purposes only and are subject to change without notice. High Balance Program limits vary by county. Posted rates are not a Good Faith Estimate. Please contact our office directly for a personalized rate quote.

General Loan Limits – Continental United States
Effective as of January 1, 2017

Effective as of January 1, 2019
No of UnitsConforming LimitConforming/High Balance Limit
1$484,350$726,525
2$620,200$930,300
3$749,650$1,124,475
4$931,600$1,397,400
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