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Current Rates

Today's Mortgage Rates

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Rates Effective 11/30/2022

Fixed Rate Loans

 RatePointsAPR1
30-Year Fixed6.250%0.00%6.363%
20-Year Fixed5.875%0.00%6.022%
15-Year Fixed5.750%0.00%5.935%
10-Year Fixed 5.625%0.00%5.886%
30-Year Fixed High Balance26.625%0.00%6.718%
20-Year Fixed High Balance25.875%0.00%5.994%
15-Year Fixed High Balance25.625%0.00%5.773%
10-Year Fixed High Balance25.375%0.00%5.585%
30-Year Fixed Jumbo6.250%0.00%6.331%
15-Year Fixed Jumbo5.750%0.00%5.883%
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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. All posted rates are subject to underwriting guidelines and may change at any time without notice.
Advertised rates available for properties located in California. 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%.
1. APR = Annual Percentage Rate. The advertised APRs are based on the following:
• Conforming Loan Amount of $647,200 plus applicable points and customary closing costs
• High Balance Loan Amount of $970,800 plus applicable points and customary closing costs
• Jumbo Loan Amount of $1,250,000 plus applicable points and customary closing costs
2. High Balance Mortgages allow for higher loan limits beyond the $647,200 conforming limit up to $970,800 for high-cost areas as determined by the Federal Housing Finance Agency
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 features such as credit score, loan purpose, occupancy, number of units, product type, loan amount your rate may be higher or high balance feature 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

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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. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of December 1st, 2022

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