Rates
How California mortgage rates are quoted.
We don't publish live rate sheets on this site. Here's why — and how to get a real rate quote that actually reflects your scenario.
No live rates are published on this page.
Mortgage rates change multiple times per day across dozens of wholesale lenders. Any rate advertised on a static webpage is stale by the time you read it. To quote you a real rate you can actually lock, a licensed loan officer needs your credit range, loan amount, LTV, occupancy, and property type at minimum.
- Credit score — ranges below 680 price meaningfully worse than 740+ on most conventional and jumbo programs.
- Loan-to-value (LTV) — every 5% increment in LTV typically shifts pricing.
- Occupancy — primary residence beats second home beats investment property.
- Property type — single-family prices better than condo beats 2–4 unit beats non-warrantable condo.
- Loan amount — jumbo above high-cost county limits is a different pricing tier than conforming.
- Program — conventional, FHA, VA, jumbo, non-QM, and DSCR each carry their own rate structure.
- Market day — MBS pricing shifts multiple times per trading session.
Fastest path: a 15-minute call or text with Francisco. He'll ask five questions and quote a real rate — the one you could lock today — along with the loan estimate breakdown.
If the scenario doesn't work at current pricing, he'll tell you what would change that.
Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.