Current Mortgage Rates -- Assumptions and Disclaimers

Market rates can change daily and sometimes more than once a day. Therefore, our published mortgage rates are subject to change without notice. The "Current Mortgage Rates" that we display on our web site are indications of the best rates presently available from among our most popular loan programs. Most if not all lenders price their loans according to various risk factors. The rates we display under "Current Mortgage Rates" are based on highly conservative transaction and credit quality assumptions in order to show you the best rates we have available. Some restrictions apply. These rates are representative of terms available for well-qualified borrowers, including, but not limited to, the following assumptions:

• Loan transaction is for purchase or for refinance with no cash out;


• Loan amount, if "Conforming" loan size, is assumed to be $400,000; if "Super Conforming" (up to $729,250 loan amount) a loan amount of $650,000 is assumed; otherwise if the loan amount is greater than $729,750 then a jumbo loan size of $1,000,000 is assumed, even if the jumbo loan program will accept a larger loan amount.
• Property is a single-family home located in California and is your primary residence;


• Your credit score is over 720 for conforming loan products (to $417,000) and over 740 for jumbo loan products;


• You can fully document your employment, income and liquid assets;


• The ratio of your monthly housing payments to your documented income will be 30% or less;


• You can close your loan within 30 days. Contact us for pricing for longer rate lock periods;


• Your loan closes in the middle of the month, so approximately 15 to 16 days of pro-rated and prepaid interest is due at closing.

Please remember that since we do not have all your information, the rates, fees, APRs and monthly payments that apply to your specific situation may be different than those presented here.

We offer a wide variety of loan options, so you may qualify for a loan even if your situation does not match those required for the best possible rates.

To get a personalized quote, please use our mortgage quote engine (see the form at left). You may also request a quote by filling out our short online application, or give us a call today.