Primary Residence

Conforming Loans $50,000 to $510,400 with no points

Type Program Rate APR
15 Year Fixed No Cash Out 3.425% 3.486% APR
30 Year Fixed No Cash Out 3.625% 3.660% APR
5/5 ARM No Cash Out 3.510% 3.544% APR
7/1 ARM No Cash Out 2.880% 2.911% APR
15 Year Fixed Cash Out 3.675% 3.739% APR
30 Year Fixed Cash Out 3.875% 3.911% APR
5/5 ARM Cash Out 3.760% 3.795% APR
7/1 ARM Cash Out 3.130% 3.162% APR

High Balance Loans $510,401 to $765,600 with no points

Type Program Rate APR
15 Year Fixed No Cash Out 3.675% 3.727% APR
30 Year Fixed No Cash Out 3.875% 3.905% APR
5/5 ARM No Cash Out 3.760% 3.789% APR
7/1 ARM No Cash Out 3.130% 3.248% APR
15 Year Fixed Cash Out 3.925% 3.979% APR
30 Year Fixed Cash Out 4.125% 4.156% APR
5/5 ARM Cash Out 4.010% 4.040% APR
7/1 ARM Cash Out 3.380% 3.407% APR

Jumbo Loans $765,601 to $1,000,000 with no points

Type Program Rate APR
15 Year Fixed No Cash Out 3.925% 3.972% APR
30 Year Fixed No Cash Out 4.125% 4.152% APR
5/5 ARM No Cash Out 4.010% 4.036% APR
7/1 ARM No Cash Out 3.380% 3.404% APR
15 Year Fixed Cash Out 4.175% 4.224% APR
30 Year Fixed Cash Out 4.375% 4.403% APR
5/5 ARM Cash Out 4.260% 4.288% APR
7/1 ARM Cash Out 3.630% 3.655% APR

Rental property

Conforming Loans $50,000 to $510,400 with no points

Type Program Rate APR
15 Year Fixed No Cash Out 3.925% 3.990% APR
30 Year Fixed No Cash Out 4.125% 4.162% APR
15 Year Fixed Cash Out 4.425% 4.494% APR
30 Year Fixed Cash Out 4.625% 4.665% APR

High Balance Loans $510,401 to $765,600 with no points

Type Program Rate APR
15 Year Fixed No Cash Out 4.175% 4.231% APR
30 Year Fixed No Cash Out 4.375% 4.407% APR
15 Year Fixed Cash Out 4.675% 4.734% APR
30 Year Fixed Cash Out 4.700% 4.734% APR

Jumbo Loans $765,601 to $1,000,000 with no points

Type Program Rate APR
15 Year Fixed No Cash Out 4.425% 4.476% APR
30 Year Fixed No Cash Out 4.625% 4.655% APR
15 Year Fixed Cash Out 4.925% 4.979% APR
30 Year Fixed Cash Out 5.125% 5.157% APR

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 March 30, 2020.  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 or fourplex.  Lot size must be under five acres and not used for agricultural purposes. Rates subject to change daily.   

Adjustable-Rate Loans:
APR (Annual Percentage Rate) subject to change without notice.  Actual APR offered may differ depending on credit qualifications.  All rates are subject to change without notice.  Best rate requires FICO score of 730 or higher.  Loans available up to $1,000,000.00 and valid up to 80% financing for primary residence and up to 70% financing for rental properties.  Full appraisal required and must be paid out of pocket by the borrower. Closing cost are applicable and may be included in the loan amount with the exception of the full appraisal. Properties must be located in California. We do not finance mobile or modular homes. Rates may be higher for 2-4 unit properties. 5/5 ARM: Rate is fixed for five years and is subject to adjustment every five years thereafter.  Rate adjustments are based on the 5-year Treasury Bill plus or minus a margin. Per adjustment cap is 2%. Lifetime cap is 6%. 7/1 ARM: Rate is fixed for seven years and is subject to adjustment every year thereafter. Rate adjustments are based on the 1-year Treasury Bill plus or minus a margin. Per annual adjustment cap is 2%. Lifetime cap is 6%.