Pacific Choice Mortgage

Current Rates

Last Updated: Tuesday, January 28th 2020 – 8:37 A(Rate Posting #1), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
2.750% 0.458% 2.911%
2.875% -0.009% 2.955%
3.000% -0.544% 2.966% 
3.125% -0.980% 3.029%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
3.000% 0.360% 3.098%
3.125% -0.076% 3.160%
3.250% -0.504% 3.222%
3.375% -0.926% 3.302%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
3.000% 0.898% 3.157%
3.125% -0.087% 3.173% 
3.250% -0.956% 3.205% 
3.375% -1.519% 3.264%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
3.125% 0.628% 3.212% 
3.250% -0.253% 3.270% 
3.375% -0.786% 3.350% 
3.500% -1.258% 3.434%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
3.250% 0.377% 3.326% 
3.375% -0.157% 3.406% 
3.500% -0.628% 3.490%
3.625% -1.204% 3.561%

Terms and Conditions: We never charge any Application Fees, Escrow/Impound Waiver Fees, or Lock-In Fees. Standard Conforming Loan Limits are $510,400. 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 $510,401 – $765,600.

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 $500,000 for Conforming Loans and $515,000 for Conforming High-Balance Loans. 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.

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.