Get a Mortgage That Works for You
Type of Loan
Refinance a home
Buy a new home
Take cash out
Online Home Purchase Mortgage Quote Request
Online Mortgage Refinance (With Cash Out) Quote Request
Online Mortgage Refinance (No Cash Out) Quote Request
Today’s Mortgage Rates
Rate / APR |
Mortgage Type |
| 5.125% / 5.333% | 30 Year Fixed |
| 4.500% / 4.860% | 15 Year Fixed |
| Rates as of May 28, 2023 9:00am PST. See Legal disclosure | |
Rate and APR Disclosures
Displayed refinance rates are sample rates current as of the date/time shown above and are for purchasing an owner-occupied, single-family home in California, with a loan amount of $400,000, a loan-to-value ratio of 70%, a borrower credit score of 740+, and 3 points buy down.
Rates are subject to change daily until locked and may not be available at the time of application and lock. APR is an estimate. Actual APR may vary. Please call to discuss loans based on your specific needs and qualifications.
Mortgage Agreement
There are many types of home loans. Each comes with different requirements, interest rates, and benefits. There are two main categories of mortgages: conventional and non-conforming loans. A conventional loan refers to any loan not backed or guaranteed by the federal government. Non-conforming loans are government-backed mortgages geared toward helping first-time, low- to median-wage earners and those with past credit difficulties buy a home.
Below are some of the most common types of mortgages in the market.
Conventional Mortgages
- As low as 3% down payment
- Up to $970,800 loan cap
- At least 620 credit score
- 36% MTI / 50% DTI
FHA Mortgages
- 3.5% down payment (10% for 500-579 credit score)
- Subsidized interest rates
- 31% MTI /43% DTI
- At least 500 credit score
- Up to $970,800 loan cap
Jumbo Mortgages
- As low as 10% down payment
- 38% MTI / 45% DTI
- At least 700 credit score
- Up to $2,500,000 loan cap
VA Mortgages
- As low as 0% down payment
- 38% MTI / 45% DTI
- No credit score requirement (580+ preferable)
- Up to $2,500,000 loan cap
Non-Qualified Mortgages
- Personal or Business Ownership
- Starts at 350 credit score
- Up to $5,000,000 loan cap
- Starts at 20% down payment
- 55% DTI / .70+ DSCR
Home Possible Mortgage
- As low as 3% down payment
- Applicant income can’t be more than 80% of the area median income
- First time homeowner and primary residence only
- At least 580 credit score
- 65% DTI