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Purchase Fixed Rate Loans

Rates Effective 08/05/2024

Loan ProgramAmountRate

APR2

APR1
1798630-Year Fixed$50,000 to $766,5506.3756.459108/05/2024$766,550
1807230-Year Fixed (No Closing Costs, 3% Down)$50,000 to $766,5506.8756.933211/08/2023
1809020-Year Fixed$50,000 to $766,5505.7505.852312/12/2023
1812015-Year Fixed$50,000 to $766,5505.6255.751412/12/2023
1813910-Year Fixed$50,000 to $766,5505.5005.675501/02/2024
1814530-Year Fixed Jumbo$766,551 to $2,500,0006.5006.570801/31/20241
1814415-Year Fixed Jumbo$766,551 to $2,500,000 6.3756.488901/31/20241
2731015-Year Fixed High Balance$766,551 to $1,149,8256.8757.010704/01/2024
2731330-Year Fixed High Balance$766,551 to $1,149,8256.8756.958601/02/2024

California properties only.

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Purchase Adjustable Rate Loans

Rates Effective 08/05/2024

Loan ProgramAmountRateAPR1
181585/1 30-Year Adjustable2$50,000 to $766,5506.0006.68208/05/202408/05/20241
181675/5 30-Year Adjustable3$50,000 to $766,5506.1256.12912/08/202312/08/20232
184577/1 30-Year Adjustable2$50,000 to $766,5506.0006.56312/08/202312/08/20233
1839910/1 30-Year Adjustable2$50,000 to $766,5506.1256.50212/08/202312/08/20234
1841810/10 30-Year Adjustable4$50,000 to $766,5506.2506.41712/08/202312/08/20235
184275/1 30-Year Adjustable Jumbo2$766,551 to $2,500,0006.0006.66612/08/202312/08/20236
184445/5 30-Year Adjustable Jumbo3$766,551 to $2,500,0006.1256.11412/08/202312/08/20237
183717/1 30-Year Adjustable Jumbo2$766,551 to $2,500,0006.0006.54812/08/202312/08/20238
1847410/1 30-Year Adjustable Jumbo2$766,551 to $2,500,0006.1256.48712/08/202312/08/20239
1848010/10 30-Year Adjustable Jumbo4$766,551 to $2,500,0006.2506.77712/08/202312/08/202310

California properties only.

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Refinance Fixed Rate Loans

Rates Effective 08/05/2024

Loan ProgramAmountRate

APR2

APR1
1803330-Year Fixed$50,000 to $766,5506.3756.45908/05/202408/05/20241
1803620-Year Fixed$50,000 to $766,5505.7505.85211/07/202311/07/20232
1804115-Year Fixed$50,000 to $766,5505.6255.75111/07/202311/07/20233
1804610-Year Fixed$50,000 to $766,5505.5005.67612/12/202312/12/20234
1804930-Year Fixed High Balance$766,551 to $1,149,8256.8756.95801/02/202401/02/20246
1805315-Year Fixed High Balance$766,551 to $1,149,8256.8757.01001/02/202401/02/20245
1805730-Year Fixed Jumbo$766,551 to $2,500,0006.6256.69611/09/202311/09/20237
1806115-Year Fixed Jumbo$766,551 to $2,500,0006.5006.61511/09/202311/09/20238

California properties only.

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Refinance Adjustable Rate Loans

Rates Effective 08/05/2024

Loan ProgramAmountRateAPR1
180715/1 30-Year Adjustable2$50,000 to $766,5506.1256.73208/05/2024
180775/5 30-Year Adjustable3$50,000 to $766,5506.2506.18012/08/2023
180857/1 30-Year Adjustable2$50,000 to $766,5506.1256.62812/08/2023
1809110/1 30-Year Adjustable2$50,000 to $766,5506.2506.58512/08/2023
1809810/10 30-Year Adjustable2$50,000 to $766,5506.3756.50112/08/2023
181085/1 30-Year Adjustable Jumbo2$766,551 to $2,500,0006.1256.71611/08/2023
181145/5 30-Year Adjustable Jumbo3$766,551 to $2,500,0006.2506.16412/08/2023
181187/1 30-Year Adjustable Jumbo2$766,551 to $2,500,0006.1256.61312/08/2023
1812310/1 30-Year Adjustable Jumbo2$766,551 to $2,500,0006.2506.57012/08/2023
1813010/10 30-Year Adjustable Jumbo4$766,551 to $2,500,0006.3756.48512/08/2023

California properties only.

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1 APR = Annual Percentage Rate. APRs are based on the following:

  • Conforming: Loan amount of $766,550 + closing costs
  • High Balance: Loan amount of $1,000,000 + closing costs
  • Jumbo: Loan amount of $1,500,000  + closing costs
  • Mortgage rates shown are based on a 30-day lock for purchase transactions

Rate shown at 60% loan-to-value (LTV), owner-occupied purchase with excellent credit and no subordinate financing. Your rate may be different than what is shown, there are pricing adjustments on certain scenarios. Please use the rate calculator on our mortgage application site to receive a better estimate for your scenario. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.

High-Balance Mortgages allow for higher loan limits beyond the $766,550 conforming limit up to $1,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.

2 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 4.80%. Your rate may be different than what is shown.

3 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 4.01. Your rate may be different than what is shown.

4 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.10. Your rate may be different than what is shown.