Pacific Choice Mortgage

Current Rates

Last Updated: Friday February 15th 2019 – 7:34 A(Rate Posting #1), Lock Period 30 Days

15 Year Fixed Conforming
Rate Points/Rebate % APR
3.375% 0.600% 3.481%
3.500% 0.170% 3.547%
3.625% -0.337% 3.599% 
3.750% -0.729% 3.665%

 

15 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
3.500% 0.450% 3.583%
3.625% 0.163% 3.647%
3.750% -0.179% 3.737%
3.875% -0.568% 3.795%

 

20 Year Fixed Conforming
Rate Points/Rebate % APR
3.750% 0.902% 3.872%
3.875% 0.263% 3.919% 
4.000% -0.526% 3.962% 
4.125% -0.863% 4.041%

 

30 Year Fixed Conforming
Rate Points/Rebate % APR
3.875% 0.679% 3.936% 
4.000% 0.032% 4.019% 
4.125% -0.422% 4.101% 
4.250% -1.114% 4.168%

 

30 Year Fixed Conforming High-Balance
Rate Points/Rebate % APR
4.000% 0.962% 4.087% 
4.125% 0.508% 4.169% 
4.250% -0.184% 4.237%
4.375% -0.703% 4.315%

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.

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.