Pacific Choice Mortgage

Current Rates

Last Updated: Monday December 10th 2018 – 9:11 AM (Rate Posting #1), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
3.875% 0.212% 3.996%
3.990% -0.180% 4.053%
4.125% -0.690% 4.113% 
4.250% -1.150% 4.170%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.125% 0.210% 4.231%
4.250% -0.150% 4.302%
4.375% -0.338% 4.399%
4.500% -0.423% 4.485%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
4.125% 0.298% 4.267%
4.250% -0.247% 4.306% 
4.375% -0.663% 4.383% 
4.500% -1.293% 4.434%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
4.375% 0.053% 4.456% 
4.500% -0.374% 4.528% 
4.625% -0.958% 4.604% 
4.750% -1.620% 4.672%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.500% 0.305% 4.577% 
4.625% -0.208% 4.659% 
4.750% -0.890% 4.725%
4.875% -1.512% 4.796%

Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $484,350. Conforming High Balance Loans – also known as Conforming Jumbo/Super Conforming, are based upon the permanent lift on loan limits which vary by county in High-Cost areas with loan amounts of $484,351 – $726,525.

Posted Rate Assumptions: Qualified Representative FICO Score 740+, No Cash Out Refinance with minimum 40% Equity, Single Family Residence Detached (1 unit), Owner Occupied, Full Income/Asset Documentation, No subordination of existing 2nd mortgages. Please contact us at 866-398-8290 to discuss all other loan options. Interest Rates displayed herein are based on a loan amount of $480,000 for Conforming and $725,000 for Conforming High-Balance. Rates/Points/Rebates and programs cannot be guaranteed on this website due to the fact that rates, fees, APR, and other costs are subject to individual borrower’s credit score, loan-to-value, loan purpose, loan amount, credit history/capacity/collateral and rapid fluctuations in market conditions. Rates are subject to change without notice.

HARP Refinance: Home Affordable Refinance Programs are available for both Fannie Mae and Freddie Mac mortgages. To determine eligibility and to discuss rate options, please contact us at 866-398-8290.

FHA: FHA financing is available for both purchase and refinance. To determine eligibility and to discuss rate options, please contact us at 866-398-8290.

VA: VA financing is available for both purchase and refinance. To determine eligibility and to discuss rate options, please contact us at 866-398-8290.