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30 YEAR FIXED (CONFORMING(1) LOAN RATE)
INTEREST RATE: 3.875%
ANNUAL PERCENTAGE RATE (APR): 4.051%
MONTHLY PAYMENT: $846.43
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $180,000
EST. PREPAID FINANCE CHARGES: $3,800
DOWN PAYMENT: 25%
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15 YEAR FIXED (CONFORMING(1) LOAN RATE)
INTEREST RATE: 3.0%
ANNUAL PERCENTAGE RATE (APR): 3.308%
MONTHLY PAYMENT: $1,243.05
PAYMENT TERM: 15 YEARS
LOAN AMOUNT: $180,000
EST. PREPAID FINANCE CHARGES: $3,800
DOWN PAYMENT: 25%
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30 YEAR FIXED (FHA)
INTEREST RATE: 3.5%
ANNUAL PERCENTAGE RATE (APR): 4.551%
MONTHLY PAYMENT: $1,008.29
PAYMENT TERM: 30 YEARS
LOAN AMOUNT: $180,000
EST. PREPAID FINANCE CHARGES: $3,800
DOWN PAYMENT: 3.5%
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Be aware that mortgage rates can change without notice and apply
only in certain conditions. The APR for the loan products shown
reflects the interest rates and estimated prepaid finance charges
which include 1% of your loan amount to be paid toward the loan
origination charge, but does not include all closing costs or
discount points. The displayed rates assume that you're
refinancing a single-family primary residence with a 90-day-lock.
These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing.
The monthly payment amount displayed includes principal, interest and any required mortgage insurance. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.
Conventional loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and APR.
FHA loans require both an upfront and in most cases, an annual mortgage insurance premium. The premium varies based on the individual loan characteristics. For illustrative purposes on FHA loans, our loan detail results include an estimated mortgage insurance payment added to the monthly principal and interest payment.
(1) Conforming loan amounts for certain loan products have increased in federally designated metropolitan areas. Larger limits available in the state of Hawaii. To find out if these new loan limits can help meet your needs, contact us.
Finance your most important investment -- your home -- with security designed to meet your needs. You can have the security of knowing that your monthly mortgage payments won't change no matter how interest rates change in the financial markets.
If you're planning on staying in your home for the long term, you can lock in favorable fixed mortgage rates for the life of your loan.
Learn more or start the application process online. You can also call us at 916-294-3200 and our home mortgage consultants can address your individual needs.
Customize and Compare
Find loan options based on your needs. Use our interactive tool to customize and compare interest rates, payments, and estimated closing costs. Get started.
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How Much Are You Eligible to Borrow?
We'll help you determine how much you may be able to borrow so that you can shop for a home with confidence. Contact us for a free prequalification or call us at 916-294-3200.
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420 Montgomery St.
San Francisco, CA 94104
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