Primary Residence

Conforming Loans $50,000 to $453,100

Type Program Rate APR
15 Year Fixed No Cash Out 4.250% 4.315%
30 Year Fixed No Cash Out 4.625% 4.664%
7/1 ARM No Cash Out 3.875% 3.910%
15 Year Fixed Cash Out 4.500% 4.567%
30 Year Fixed Cash Out 4.875% 4.915%
7/1 ARM Cash Out 4.125% 4.161%

High Balance Loans $453,101 to $679,650

Type Program Rate APR
15 Year Fixed No Cash Out 4.000% 4.051%
30 Year Fixed No Cash Out 4.375% 4.405%
7/1 ARM No Cash Out 3.625% 3.652%
15 Year Fixed Cash Out 4.250% 4.303%
30 Year Fixed Cash Out 4.625% 4.657%
7/1 ARM Cash Out 3.875% 3.903%

Jumbo Loans $679,650.01 to $1,000,000

Type Program Rate APR
15 Year Fixed No Cash Out 3.750% 3.792%
30 Year Fixed No Cash Out 4.125% 4.150%
7/1 ARM No Cash Out 3.375% 3.396%
15 Year Fixed Cash Out 4.000% 4.044%
30 Year Fixed Cash Out 4.375% 4.401%
7/1 ARM Cash Out 3.625% 3.647%

Rental property

Conforming Loans $50,000 to $453,100

Type Program Rate APR
15 Year Fixed No Cash Out 4.750% 4.819%
30 Year Fixed No Cash Out 5.125% 5.167%
15 Year Fixed Cash Out 5.250% 5.323%
30 Year Fixed Cash Out 5.625% 5.673%

High Balance Loans $453,101 to $679,650.00

Type Program Rate APR
15 Year Fixed No Cash Out 4.500% 4.555%
30 Year Fixed No Cash Out 4.875% 4.908%
15 Year Fixed Cash Out 4.750% 4.807%
30 Year Fixed Cash Out 5.375% 5.411%

Jumbo Loans $679,650.01 to $1,000,000

Type Program Rate APR
15 Year Fixed No Cash Out 4.250% 4.295%
30 Year Fixed No Cash Out 4.500% 4.547%
15 Year Fixed Cash Out 4.500% 4.547%
30 Year Fixed Cash Out 5.125% 5.155%

FHA and VA Loans

Unique Mortgage Loans
We've partnered with CU Homeland/American Pacific Mortgage to offer FHA (Federal Housing Administration) and VA (Veteran Affairs) loans.  Please visit their website for more information.

APR (Annual Percentage Rate) as of December 3, 2018.  Rates change daily, please call (800) 649-0193, extension 4925 for today's rate.  

Fixed Rate Loans: 
Rates valid up to 80% CLTV for primary residence and up to 70% for rental properties. Owner occupied single family residences, town homes, and condominiums in California only. No mobile or modular homes.  Best rates are posted based on FICO score of 730 or higher. Rates may differ if the property is a triplex our fourplex.  Lot size must be under five acres and not used for agricultural purposes. Rates subject to change daily.  

7/1 ARM (Adjustable Rate Mortgage):
Rate is fixed for 7 years. After the initial fixed term, the rate will adjust based upon the weekly average of the 1-year U.S. Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve, plus a margin. The caps are 2% annually and 6% lifetime based on the initial rate. The current index value is 1.350%.