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Current Rates

Today's Mortgage Rates

Rates Effective as of 05/24/2024

Fixed Rate Loans1

RatePointsAPR1
30-Year Fixed6.875%0.00%6.982%
20-Year Fixed6.375%0.00%6.511%
15-Year Fixed6.375%0.00%6.546%
10-Year Fixed 6.000%0.00%6.239%
30-Year Fixed High Balance26.750%0.00%6.837%
20-Year Fixed High Balance26.250%0.00%6.361%
15-Year Fixed High Balance26.000%0.00%6.139%
10-Year Fixed High Balance26.000%0.00%6.196%
30-Year Fixed Jumbo6.875%0.00%6.959%
15-Year Fixed Jumbo6.375%0.00%6.510%

Adjustable Rate Loans3

RatePointsAPR3
Conforming ARM 30 Year
3/6 ARM7.750%0.00%7.862%
5/6 ARM6.125%0.00%6.227%
7/6 ARM6.125%0.00%6.227%
High Balance & Jumbo ARM 30 Year
3/6 ARM7.750%0.00%7.839%
5/6 ARM6.125%0.00%6.206%
7/6 ARM6.125%0.00%6.206%
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.
1Advertised 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:
  • Conforming Loan Amount of $766,550 plus applicable points and customary closing costs
  • High Balance Loan Amount of $1,149,825 plus applicable points and customary closing costs
  • Jumbo Loan Amount – call for details
  • 2High Balance Mortgages allow for higher loan limits beyond the $766,550 conforming limit up to $1,149,825 for high-cost areas as determined by the Federal Housing Finance Agency.
3Adjustable-Rate Loans: 5/6 ARM - Secured Overnight Financing Rate (SOFR) after the initial 5 years, the rate may adjust every 6 months by no more than 2%.  The maximum lifetime adjustment is 5%.  Maximum 97% LTV on conforming and high balance purchases and 97% LTV on refinances.  7/6 ARM - Secured Overnight Financing Rate (SOFR) after the initial 7 years, the rate may adjust every 6 months by no more than 5%.  The maximum lifetime adjustment is 5%.  Maximum 97% LTV on conforming and high balance purchases and 97% LTV on refinances.
All loans and borrowers are subject to credit, income, debt, and property qualification. Underwriting terms and conditions apply. Loan level pricing adjustments may apply based upon certain eligibility or other loan stipulations such as credit score, loan purpose, occupancy, number of units, product type, loan amount, and total CLTV. Rates, conditions, and terms are subject to change without notice. Other restrictions and conditions may apply. Hazard insurance is required. NMLS ID Number is 729232.
UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of May 28th, 2024

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