Today's Mortgage Rates
Rates Effective as of 7/10/2025
Fixed Rate Loans1
| Rate | Points | APR1 | |
|---|---|---|---|
| 30-Year Fixed | 6.625% | 0.00% | 6.727% |
| 20-Year Fixed | 6.500% | 0.00% | 6.633% |
| 15-Year Fixed | 5.625% | 0.00% | 5.788% |
| 10-Year Fixed | 5.375% | 0.00% | 5.605% |
| 30-Year Fixed High Balance2 | 6.500% | 0.00% | 6.577% |
| 15-Year Fixed High Balance2 | 6.000% | 0.00% | 6.125% |
| 30-Year Fixed Jumbo | 6.500% | 0.00% | 6.577% |
| 15-Year Fixed Jumbo | 6.000% | 0.00% | 6.125% |
Adjustable Rate Loans3
| Rate | Points | APR3 | |
|---|---|---|---|
| Conforming ARM 30 Year | |||
| 3/6 ARM | 5.375% | 0.00% | 5.470% |
| 5/6 ARM | 6.000% | 0.00% | 6.098% |
| 7/6 ARM | 6.125% | 0.00% | 6.224% |
| High Balance2 | |||
| 3/6 ARM | 5.500% | 0.00% | 5.572% |
| 5/6 ARM | 6.000% | 0.00% | 6.074% |
| 7/6 ARM | 6.125% | 0.00% | 6.200% |
| Jumbo ARM 30 Year | |||
| 3/6 ARM | 5.500% | 0.00% | 5.572% |
| 5/6 ARM | 6.000% | 0.00% | 6.074% |
| 7/6 ARM | 6.125% | 0.00% | 6.200% |
Rates and points are based on the following: Owner occupied single-family home, credit scores of 740 or greater on all borrowers, rate & term refinance transaction at 60% Loan-to-Value and a 45-day rate lock with an impound account. Additional Pricing will be added if you do not meet these guidelines. Interest rates and annual percentage rates (APRs) are based on our current pricing; these are for informational purposes only, are subject to change without notice, and may be subject to pricing add-ons related to property type, occupancy type, loan amount, loan-to-value ratio, credit score, refinance with cash out, and other variables - call for details.
1. Advertised loans assume properties in CA, as well as escrow accounts (monthly collection of subject property taxes and any applicable homeowners insurance with your monthly principal and interest payment) unless you request otherwise and the loan program and applicable law allows. Should you choose to waive escrows, your rate, costs, and/or APR may increase. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. Maximum CLTV for rate & term refinances single family owner occupied, approved condominium, town home project is 80% when mortgage insurance is not obtained. Mortgage Insurance (MI) is required on all owner-occupied loans with greater than 80% CLTV. Maximum CLTV for non-owner occupied homes is 75% for 1 unit and 70% for 2-4 units.
APR = Annual Percentage Rate. The advertised APRs are based on the following:
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Conforming Loan Amount of $806,500 plus applicable points and customary closing costs
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High Balance Loan Amount of $1,209,750 plus applicable points and customary closing costs
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Jumbo Loan Amount – call for details
